Does Medicare Supplement Plan G Cover Prescriptions?

Medicare Supplement Plan G does not include coverage for prescription medications.

While Plan G is designed to fill cost gaps not covered by Original Medicare (such as deductibles, copayments, and coinsurance), it does not extend to prescription drug coverage.

To receive coverage for prescription drugs, you must enroll in a separate Medicare Part D plan. Private insurance companies offer these plans and cover many prescription medications. Each Part D plan has monthly premiums, deductibles, and copayments.

Prescription Drug Coverage Under Medicare Part D

Private insurance companies that contract with Medicare offer Medicare Part D plans. These plans provide coverage for prescription drugs not included in Medicare Supplement plans. Each plan has a formulary, which is a list of medications that are covered.

You can enroll in a Medicare Part D plan during your Initial Enrollment Period when you first become eligible for Medicare or during the Annual Enrollment Period (October 15th to December 7th) each year.

Medicare Advantage Plans and Prescription Drug Coverage

Medicare Advantage plans (Part C) are provided by private insurance companies. These plans must include the same coverage as Original Medicare but may also offer extra benefits. Typically, Medicare Advantage plans provide dental, vision, hearing, and prescription drug coverage.

However, it’s important to note that not all Medicare Advantage plans provide the same level of coverage for prescription drugs. It’s crucial to carefully review each plan’s formulary to ensure that your medications are included.

Medicare Part D Premiums

Medicare Part D plans come with a monthly premium, which can vary based on the specific plan you choose. However, there are ways to reduce these costs. One option is to take advantage of the “Extra Help” program, which can help cover some or all of your Medicare Part D premiums and out-of-pocket expenses.

To be eligible for this program, you must fall within the income threshold established by the program. If you don’t qualify for Extra Help, it’s still important to shop around and compare different plans. This will help you find the best coverage and premium cost that suits your needs.

Bottom Line

  • Medigap Plan G is an excellent option for seniors; however, it’s important to remember that it does not include prescription drug coverage.
  • Enrolling in a Medicare Part D plan will provide prescription drug coverage. Consider your current prescriptions, pharmacy preferences, and premium cost when choosing a Medicare Part D plan.
  • Medicare Part D plans typically have a monthly premium, but there are ways to reduce costs, such as qualifying for the “Extra Help” program. Remember to enroll in these plans when eligible and avoid late enrollment penalties.

Sources: HealthLine | How Medigap Works | KFF Extra Help


  • Can I change my Medicare Part D plan?

    You can change your Medicare Part D plan during the Annual Enrollment Period (October 15th to December 7th) each year. You can also switch plans during a Special Enrollment Period if you have a qualifying event.

  • Are all prescription drugs covered under Medicare Part D?

    No, not all prescription drugs are covered under Medicare Part D. Each plan has its own formulary, which may exclude or restrict coverage for certain medications.

  • How can I reduce my Medicare Part D premiums?

    You may qualify for the “Extra Help” program, which helps pay for some or all of your Medicare Part D premiums and/or out-of-pocket expenses. You can also compare plans to find the best coverage and premium cost.

Mark Prip

Since 2003, Mark Prip has been leading  Policy Guide, Inc., providing knowledgeable information about Medicare, life insurance, and dental coverage to clients in over forty states. With his unparalleled hands-on experience aiding countless Medicare beneficiaries in selecting an appropriate health plan, he is a prime example amongst other competitors for expertise and assistance. Mark has held his Florida Health & Life Insurance License (E051889) since 2003. View his license profile on the Florida Department of Insurance website.