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Plan D vs Plan G in Washington
By Vadim Marusin, licensed Medicare insurance agent in Washington (WAOIC #1365574). Insurer data checked against the state chart current as of October 8, 2026.
How the two standardized plans differ, who each fits, and how many insurers sell each in Washington.
Benefits side by side
| Benefit | D | G |
|---|---|---|
| Part A hospital coinsurance, plus 365 extra hospital days after Medicare benefits end | 100% | 100% |
| Part A hospice care coinsurance or copay | 100% | 100% |
| Part B coinsurance or copay (the 20%) | 100% | 100% |
| Medicare preventive care Part B coinsurance | 100% | 100% |
| First 3 pints of blood | 100% | 100% |
| Skilled nursing facility care coinsurance | 100% | 100% |
| Part A deductible | 100% | 100% |
| Part B deductible | – | – |
| Part B excess charges | – | 100% |
| Foreign travel emergency (up to plan limits) | 80% | 80% |
| Yearly out-of-pocket limit | – | – |
Plan D
Fits:
Plan G
Plan G is the most complete Medigap plan sold to people who became eligible for Medicare in 2020 or later. It pays everything Original Medicare leaves behind except the Part B deductible: hospital deductibles and coinsurance, the 20% Part B coinsurance, skilled nursing coinsurance, Part B excess charges and 80% of emergency care abroad.
Fits: People who want predictable costs, see specialists, or use providers who don't always accept Medicare assignment.
What each leaves you paying
| Plan | Most you could owe for covered care in a year | What you pay along the way | Part B excess charges | Emergency care abroad |
|---|---|---|---|---|
| Plan G | $283 (the Part B deductible) | Nothing | Covered | 80% after $250 |
| Plan N | $283 plus copays | Up to $20 for some office visits, up to $50 for ER visits that don't lead to admission | Not covered | 80% after $250 |
| High-deductible Plan G | Up to $2,950 | You pay until the deductible is met, then nothing | Covered after the deductible | 80% after $250 |
| Plan K | Up to $8,000, plus the Part B deductible | 50% of most costs until the limit | Not covered | Not covered |
| Plan L | Up to $4,000, plus the Part B deductible | 25% of most costs until the limit | Not covered | Not covered |
| Plan A | $1,736 per hospital benefit period, plus $283 | Part A deductible and skilled nursing coinsurance | Not covered | Not covered |
Plan pages: Plan D · Plan G · All comparisons
Common questions
What's the difference between Plan D and Plan G?
They differ on: Part B excess charges.
How many insurers sell Plan D and Plan G in Washington?
2 sell Plan D and 17 sell Plan G on the current state chart.