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Medicare Supplement – Plan G

Since Plan F is no longer available to newly-eligible Medicare beneficiaries, Plan G now offers the most comprehensive benefits compared to other Medicare supplements. Individuals who want the most coverage and least out-of-pocket costs should look no further than Plan G.

Coverage Included in Plan G

Coverage and benefits included in Plan G are:

● Part A deductible ($1,632 per benefit period in 2024)
● Part A hospital coinsurance, plus an extra 365 days of coverage after your Part A benefits are exhausted
● Hospice coinsurance
● Skilled nursing coinsurance
● First 3 pints of blood in a Medicare-approved procedure
● Part B coinsurance and copayments
● Part B excess charges
● 80% of foreign travel emergency expenses

Coverage Not Included in Plan G

The only out-of-pocket expense that remains after Plan G pays is the Part B deductible. As long as your treatment or service is approved by Medicare, Parts A, and B, along with Plan G, will take care of all the other costs. No wonder Plan G is one of the most popular Medigap plans!

Outside of the Part B deductible, there are other services that won’t be covered by Plan G. This is true of all Medicare supplements – if it’s not covered by Original Medicare, it won’t be covered by your Medigap plans.

What exactly does that include?

The first thing to be aware of is that it doesn’t cover prescription medications. Anyone who enrolls in a Medicare supplement will need to enroll in a separate Medicare Part D prescription drug plan.

It’s important to enroll in Part D, even if you are not taking any medications. If you don’t, you’ll be penalized when you decide to enroll. Plus, there are only certain times of the year when you can enroll in a Part D plan. If your doctor ends up prescribing a medication and you don’t have Part D, you’ll be paying the entire cost yourself until you’re able to sign up for Part D. If you aren’t taking prescriptions, you can find a very lost-cost plan that won’t break the bank.

Medicare supplements also do not include coverage for long-term care, preventive and restorative dental treatment, eyeglasses, contact lenses, or hearing aids. (There are limited times when Part B might cover some of these, such as in the case of certain conditions or trauma.)

There are insurance options for all of these services, so ask your licensed insurance agent if you’d like to know more about these policies.

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Who Should Enroll in Plan G?

Plan G is an excellent choice for everyone. If you can afford the monthly premiums, Plan G is going to offer the most extensive coverage and the most predictable out-of-pocket costs.

If you know you require more medical attention, Plan G can relieve some of the stress and anxiety you might have about your medical bills. With Plan G, you know you’ll only be responsible for $240 per year.

Plan G is also a great choice for individuals who travel a lot or who want the freedom to choose any healthcare provider or facility for their care. Medicare supplements do not utilize provider networks, so no matter where you are, you’ll be able to use your plan. If your provider accepts Medicare, they’ll accept your Medicare supplement.

How Much Does Plan G Cost?

On average, Plan G costs somewhere between $120 – $220. However, this varies greatly based on your age, gender, tobacco use, and zip code. Men pay more than women; older folks pay more than younger ones; tobacco users pay more than non-users. If you live in a zip code with a higher cost of living, you can expect your premiums to be higher as well. Lastly, insurance companies are allowed to set their own rates, so be sure to compare prices across carriers to make sure you aren’t paying more for the same coverage.

Up Next: Medicare Supplement Plan N

Sylvia Gordon, aka Medicare Mama®, is an expert on all things Medicare and Social Security. She is the 2nd Generation here at The Medicare Family and has served on the advisory boards of major insurance companies like UnitedHealthcare®, Cigna, and Anthem. In her free time, she can be found taking care of her animals (dogs, goats, peacocks, chickens), and reading a good book. Learn More.
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