What Does Medicare Supplement Plan G Cover?

Medicare Supplement Plan G (often called Medigap Plan G) is a supplemental insurance policy designed to cover the voids in coverage left by Original Medicare Part A and Part B.

Plan G is a popular choice among beneficiaries because it provides a broad range of coverage, effectively filling the gaps in Original Medicare. For example, it covers the Part A deductible and coinsurance, hospital costs up to an additional 365 days after Medicare benefits are used up, and Part B excess charges. It also provides coverage for the first three pints of blood required for a transfusion each year.

Also included are skilled nursing facility care, hospice care, and even excess charges that occur when a provider charges more than the Medicare-approved amount for services.

Plan G Coverage Overview

Medicare Supplement Plan G is a comprehensive plan that covers a wide range of services, including:

  • Part A and Part B coinsurance
  • Hospice care coinsurance or copayment
  • Part A deductible
  • Skilled nursing facility care coinsurance
  • Excess charges from Part B
  • Foreign travel emergency healthcare (up to plan limits)
  • Important:

    Plan G does not cover your Medicare Part B premium or deductible. You’ll need to pay those separately.

How Does Medicare Supplement Plan G Compare With Other Plans?

Plan G is a popular choice due to its extensive coverage compared to other Medicare Supplement plans. While Plan G may have slightly higher premiums than other Medigap plans, many Medicare enrollees find that its coverage is worth the cost. It allows them to budget and plan for their healthcare expenses without worrying about unexpected or unmanageable costs.

If you’re looking for comprehensive coverage without the need to cover your Part B deductible, Plan G is an excellent option. It’s widely accepted by all providers who accept Original Medicare, making it convenient to use anywhere in the country.

How Much Does Medicare Supplement Plan G Cost?

The cost of Medicare Supplement Plan G can fluctuate based on various factors. These include your age, location, gender, and sometimes your health status or whether you smoke.

While each insurance company sets its pricing, you can expect to pay an average monthly premium for Plan G ranging from around $140 to $400. It’s important to remember that this is an additional cost to the Part B premium that you’ll have to pay separately.

Bottom Line

As you enter your golden years, caring for your health often involves investing in the right health insurance plan. Medicare Supplement Plan G offers comprehensive coverage at an affordable price, making it a popular choice for seniors today.

By understanding what Plan G covers and how much it costs, you can make an informed decision that will save you money and protect you from high medical bills. Consider talking to a licensed Medigap insurance agent to learn more about Plan G and other Medicare Supplement options available.

Sources: Compare Medigap Plans | HealthNews | HealthLine


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.