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Medicare Supplement Plan G | Medigap Plan G | Coverage & Details


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Medicare Supplement Plan G
Medicare Supplement Plan G is commonly known as the plan with the best value for your money (at least by us). Plan G has almost the same exact benefits as the "Cadillac" Plan F, although Plan G requires you to pay the annual Medicare Part B Deductible ($147 in 2012). Supplement Plan G covers the 20% Left by Medicare, Medicare Part A Deductible, 100% of Excess Charges, Skilled Nursing Facility Co-Insurance, Foreign Travel, and all of the other major gaps left by Medicare.

The reason why Medicare Supplement Plan G is more favorable many times is due to the fact that, on average, the Supplemental Plan G costs approximately $20 - $25 less per month than the more comprehensive Plan F, thus saving roughly $240 - $300 per year. With the only difference between Plan G and Plan F being the annual Medicare Part B Deductible ($140 in 2012), the premium savings on Plan G usually outweigh the additional cost of paying for the Plan F, and you can still enjoy virtually all of the same benefits.

One of the nice things offered with Medicare supplement plan g, as with most Medicare Supplement Plans, you are able to choose any doctor or hospital that accepts Medicare. You claims are generally automatically filed as well so there is no need for you to submit claims paperwork and go through all of that hassle. Medicare Plan G is a very easy plan to manage, and there is little to no expenses that you will need to pay out of pocket.

If you are an individual looking for the best value out of any Medicare plan, in most situations, we would certainly recommend Medicare Medigap Plan G as being the most cost effective and cost efficient--getting the best value for your money. As always, the cost of Medicare Supplement Plan G can vary greatly from company to company, so it is a good idea to compare Medicare Plan G prices with many insurance companies to get the best deal possible.

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Below is a very comprehensive list of benefits included in the Plan G. For a more simple side-by-side comparison of plans, please refer to our Compare Medicare Supplement Plans page.

Medigap Plan G | Part A Coverage
MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD
* A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
 
HOSPITALIZATION: Semi-private room and board, general nursing and miscellaneous services and supplies.
Services Medicare Pays Plan Pays You Pay
First 60 days All but $1,184 $1,184 (Part A Deductible) $0
61st through 90th day All but $296 a day $296 a day $0
91st day and after:
While using 60 lifetime reserve days All but $592 a day $592 a day $0
Once lifetime reserve days are used:
Additional 365 days $0 100% of Medicare Eligible Expenses $0**
Beyond the Additional 365 days $0 $0 All Costs
SKILLED NURSING FACILITY CARE: You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital.
Services Medicare Pays Plan Pays You Pay
First 20 days All approved amounts $0 $0
21st through 100th day All but $148 a day Up to $148 a day $0
101st day and after $0 $0 All costs
BLOOD:
Services Medicare Pays Plan Pays You Pay
First 3 pints $0 3 pints $0
Additional amounts 100% $0 $0
HOSPICE CARE: You must meet Medicare's requirements including a doctor's certification of terminal illness.
Services Medicare Pays Plan Pays You Pay
Hospice care All but very limited copayment / coinsurance for out-patient drugs and inpatient respite care Medicare copayment / coinsurance $0
**NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.


Medicare Supplement Plan G

Medigap Plan G | Part B Coverage
MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR
Once you have been billed $147 of Medicare-Approved amounts for covered services your Medicare Part B Deductible will have been met for the calendar year.
 
MEDICAL EXPENSES: In or Out of the Hospital and Outpatient Hospital Treatment, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment.
Services Medicare Pays Plan Pays You Pay
First $147 of Medicare Approved Amounts $0 $0 $147 (Part B Deductible)
Remainder of Medicare Approved Amounts Generally 80% Generally 20% $0
Part B Excess Charges (Above Medicare Approved Amounts) $0 100% $0
BLOOD:
Services Medicare Pays Plan Pays You Pay
First 3 pints $0 All costs $0
Next $147 of Medicare Approved Amounts $0 $0 $147 (Part B Deductible)
Remainder of Medicare Approved Amounts 80% 20% $0
CLINICAL LABORATORY SERVICES:
Services Medicare Pays Plan Pays You Pay
Tests for Diagnostic Services 100% $0 $0

 

MEDICARE PARTS  A & B
HOME HEALTH CARE: Medicare Approved Services.
Services Medicare Pays Plan Pays You Pay
Medically necessary skilled care services and medical supplies 100% $0 $0
Durable medical equipment:
First $147 of Medicare Approved Amounts $0 $0 $147 (Part B Deductible)
Remainder of Medicare Approved Amounts 80% 20% $0

 

OTHER BENEFITS - NOT COVERED BY MEDICARE
FOREIGN TRAVEL: Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA. (Canada & Mexico only.)
Services Medicare Pays Plan Pays You Pay
First $250 each calendar year $0 $0 $250
Remainder of charges $0 80% to a lifetime maximum of $50,000 20% and amounts over the $50,000 lifetime maximum


If you would like to learn more about the coverage that Medicare Supplement Plan G provides, or have any other questions about Plan G and any other plans, please contact us and speak with one of our expert Medicare Specialists at (855) 419-3826, or request Supplement Plan G rates & quotes using our online quote form.

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