Medicare Supplement Plan G Insurance (Medigap Plan G)
Original Medicare coverage only covers about 80% all of your healthcare needs. Medicare Supplement Plan G is one of several Medigap plan options that help to fill the gaps in Medicare coverage (that 20% not covered). Plan G is the second most popular Medicare Supplement plan choice with our clients.
What Does Medicare Supplement Plan G Cover?
Plan G is almost identical to the Plan F, the only difference is that you assume responsibility for the Medicare Part B deductible. Currently, the Part B deductible is $185. Once meeting the deductible, Plan G provides full coverage. It pays for your hospital deductible, copay’s and coinsurance. It also covers the 20% that Part B doesn’t cover.
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Medicare Plan G vs. The Other Plans
To see how Medicare Plan G fits your needs, it helps to do a side-by-side comparison with the other plan options. The Medicare Supplement Plan Comparison chart shows the benefits covered and not covered under each letter. By doing a Medicare Plan G comparison, you will notice that Plan F or N are most similar in terms of the level of coverage available. The only differences are: Plan F covers the part B deductible while Plan G does not. Plan N, like Plan G, does not cover the Part B Medicare deductible. Plan N also does not cover coinsurances of up to $20 per office visit and up to $50 per emergency room visit.
Medicare Supplement Insurance (Medigap) Plan G
|Medicare Part A coinsurance and hospital cost (up to an additional 365 days after Medicare benefits are used)|
|Medicare Part B coinsurance or copayment|
|Blood (first 3 pints)|
|Part A hospice care coinsurance or copayment|
|Skilled nursing facility care coinsurance|
|Part A deductible|
|Part B deductible|
|Part B excess charges|
|Foreign travel emergency (up to plan limits)||80%|
- Plan G: You must meet the yearly Part B deductible ($185 in 2019). Plan G then pays 100% of covered services for the rest of the calendar year.
Finding Medicare Supplement Insurance Plan G
Basic Medigap benefits are standardized across each letter category. So, Plan G benefits are exactly the same as any other Plan G, no matter which insurance company you purchase the policy from. Cost and availability will vary by insurance company and location.
Above all, our advisors make it easy for you to navigate and choose the right insurance plan for your healthcare needs. Personalized assistance offered in person or over the phone, online or in office. Call us today at 1-800-784-8969 for the most up to date plan information in your area.