Medigap Plan G is one of the most familiar Medicare Supplement plans offered under
the Medicare Supplement standardized plans. Plan G is a stylish alternative to Plan
F in most cases. This is because the premium savings typically offset the Medicare
Part B deductible, which is the only difference in benefits between the two plans.
Also, Plan G is traditionally more rate-stable than Plan F and some of the other
plans that are offered on a "guaranteed issue" basis. On average, those who have
Plan G are better because companies are not needed to issue them coverage under than
plan if they are losing employer coverage or Advantage plan coverage.
Medigap Plan G covers:
• Part B coinsurance for medical expenses
• Part A coinsurance for hospitalization with an additional 1 year of coverage after
Medicare benefits are worn out
• Co-payments for outpatient services
• Three pints of blood yearly
Additional benefits are:
• Medicare Part A deductible for hospital stays
• Medicare Part B Excess Charges of 80%
• Overseas Emergency Medical Care costs according to the plan's limits
• Skilled Nursing Facility Care Coinsurance
• Some or all At-Home Recovery costs that are not provided by Medicare approved home
health care services are either covered or reimbursed.
Medigap Plan G does not cover:
• Medicare Part B Deductible
• Preventative Care
• Hospice Care co-payments or coinsurance
It can be difficult to decide which plan is right for you, and not all providers
offer all of the Medicare Supplement Plans. Understand, research and study if Plan
G suits your needs.