Understanding Medicare Supplement Plan G: Essential Insights

Medicare remains a vital investment for many, providing coverage for various healthcare expenses during health emergencies based on your chosen plan. It ensures access to necessary medical services regardless of income. Medicare options include Parts A, B, C, D, G, and F. This article focuses on key information about Medicare Supplement Plan G.

What is Medicare Supplement Plan G?

Plan G covers most expenses not paid by Original Medicare, except for the outpatient deductible. It assists with inpatient hospital bills, blood transfusions, nursing services, and hospice care.

Plan G offers benefits similar to Plan F, but with a key difference: you must pay the Medicare Part B deductible in addition to the Plan G deductible. It suits individuals willing to handle the Part B deductible separately while enjoying extensive coverage.

What is the cost of a Plan G?

Premiums for Medicare Supplement Plan G vary depending on your location, gender, chosen provider, and tobacco use. Typically, males and tobacco users pay higher premiums than females and non-tobacco users.

Costs can also differ by ZIP code and depend on how long you've been enrolled in Plan B.

Coverage Offered by Plan G

Part A coinsurance and hospital expenses for up to 365 days after Medicare coverage ends

Part A hospice care coinsurance or copayments

Part A deductible

Part B excess charges

Part B coinsurance or copayments

Up to three pints of blood annually for medical procedures

Skilled nursing facility coinsurance

Limited emergency medical coverage abroad

Plan G does not include prescription drugs, dental visits, private nursing, vision care, hearing aids, or long-term care. Other plan options are available for these needs.

Eligibility for Enrollment

Individuals over 65 enrolled in both Medicare Parts A and B are eligible for Plan G. However, they must not be enrolled in a Medicare Advantage Plan. Contact local providers for specific eligibility details and guidance.

Providers Offering Medicare Supplement Plan G

Cigna - Cigna offers personalized quotes based on your details. You can connect via their website, phone, or live chat for assistance.

Humana - Depending on your state, Humana provides Plan G options. Schedule a consultation or call between 8 a.m. and 8 p.m. to learn more. Their Plan G covers 100% of Part B excess charges.

Aetna - Aetna offers budget-friendly plans with easy online access. Request a free quote by providing your personal info to decide your best options.