What is the best Medicare Supplement Plan G?

Every Plan G offers identical medical benefits regardless of carrier. The 'best' Plan G is the one with the most stable long-term premium history in your state. A carrier with a slightly higher starting rate but predictable increases often costs less over 10 years than a company that prices low upfront and raises rates aggressively.

Do all Medicare Supplement Plans G cost the same?

No. While Plan G benefits are standardized, premiums vary widely between insurance companies. Differences come from the carrier's pricing model (attained-age, issue-age, or community-rated), your zip code, tobacco use, and household discounts. It's common to see $50-$80+ monthly differences between carriers for the same coverage.

Do Plan G premiums increase with age?

Under attained-age pricing, which most carriers use, your premium rises as you get older. On top of age-based increases, carriers can also file rate increases based on overall claims experience in your pool. These two types of increases can stack, sometimes producing 10-18% jumps in a single year.

Can I switch Plan G carriers at age 70 without underwriting?

In most states, switching Medigap carriers after your initial open enrollment period requires medical underwriting. Some states offer additional protections, and certain federal guaranteed issue triggers apply. Call to confirm what options are available in your state.

Medicare Supplement Plan G Cost for 70-Year-Olds: Real Premiums From Top Carriers

Medicare Supplement Plan G cost for a 70-year-old typically runs between $150 and $300+ per month, depending on your carrier, state, and how the company prices its policies. That's a wide range, and it's exactly why comparing carriers matters more at 70 than at any other age.

I'm Anthony Orner, a licensed Medicare broker. I pull actual rates for people in your situation every day. Let me show you what's driving your premium and where the real savings are.

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Average monthly Plan G premiums at age 70 in 2025

Nationally, most 70-year-olds pay between $170 and $280 per month for Plan G. Your actual rate depends on zip code, tobacco status, and whether you qualify for household or payment discounts.

The gap between the cheapest and most expensive carrier in the same state can easily be $80/month. That's nearly $1,000 a year for identical coverage. Rates vary by carrier, so a side-by-side comparison is the only way to know what you'd actually pay.

How attained-age pricing affects your rate at 70

Most Medigap carriers use attained-age pricing. Your premium goes up automatically as you age, separate from any general rate increase the company files.

At 70, you're past the initial enrollment window, so your rate reflects five years of age-based increases on top of any claims-driven adjustments. When those stack together, 10-18% annual jumps happen. The carrier you chose at 65 matters a lot right now.

Carrier comparison: who offers the best value

Plan G is standardized. A Plan G from one company covers exactly what a Plan G from another company covers. The only difference is premium and long-term rate stability.

Some carriers price low to attract new enrollees, then raise rates aggressively within a few years
Other carriers start slightly higher but hold steadier over time
The best value at 70 is the carrier with the most predictable rate history in your state
I track rate filing histories so you don't have to guess

Ways to reduce your Plan G premium without losing coverage

Household discount: Many carriers offer 5-7% off if you live with another adult, even if they're not on the same plan
Annual payment discount: Paying annually instead of monthly can save 2-5%
Non-tobacco rate: If you haven't used tobacco in the past 12 months, confirm you're on the non-tobacco tier
Carrier switch: If you can pass underwriting, moving to a lower-cost carrier with stable rates is the single biggest lever

What Plan G covers at any age

Plan G picks up nearly everything Original Medicare doesn't. That includes the Part A deductible ($1,676 per benefit period in 2026), Part B excess charges, skilled nursing coinsurance ($209.50/day for days 21-100), and foreign travel emergencies.

Your only remaining out-of-pocket cost is the annual Part B deductible ($283 in 2026). After that, Plan G pays 100% of Medicare-approved charges. No networks. No referrals. No surprise copays stacking up.

Why switching from advantage to supplement gets harder at 70

I hear from people who left Plan G for a $0-premium Advantage plan and regret it. The referrals, copays, and network restrictions add up fast, especially with chronic conditions.

Getting back on a supplement after age 70 usually requires medical underwriting. Pre-existing conditions like diabetes can disqualify you. Some states and certain federal triggers offer guaranteed issue rights. Rules vary by state, so call to confirm your options before making any switch.

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