The Medicare Supplement Plan G provides similar coverage to the Medicare Supplement Plan F. The only exception is that it doesn’t cover the Part B deductible. Other than that, Plan G provides full coverage for all of the gaps in Medicare. Similar to the Medicare Supplement Plan F, this pays your hospital deductibles, co-payments, and co-insurances.
Medical Services Covered Under Plan G.
Plan G covers your share of any medical benefit that the original Medicare would cover with one exemption being the coverage of the outpatient deductible. It helps pay for your inpatient hospital costs, which include blood transfusion, skilled nursing, and hospice care. Along with that, it also covers outpatient medical services such as doctor visits, lab work, diabetes supplies, x-rays, ambulance, surgeries, and so on.
How this works is that at first Medicare pays, then Plan G covers the rest once you’ve paid the annual deductible (for 2020 the Part B deductible is $198). Plan G also offers up to $50,000 in foreign travel emergency benefits.
A majority of Medicare Supplement Insurance plans do not cover Part B excess charges. Excess charges are referred to as additional charges outside of the Medicare approved charge. However, these charges are covered under Plan G.
Benefits of the Medicare Supplement Plan G.
Medicare Supplement insurance Plan G includes the following basic benefits:
Part A hospital coinsurance and hospital costs up to 365 days after Original Medicare benefits are used.
Part A hospice care co-insurance or co-payment
Part A deductible
Part B excess charges
Part B co-insurance or co-payment
Part B preventive care co-insurance
Skilled nursing facility (SNF) care co-insurance coverage
First three pints of blood for a medical procedure
Limited foreign travel emergency medical care
Why Consider Medicare Supplement Plan G.
Medicare Supplement Plan G has become a customer favorite, and it is not just about the low premiums. Along with having low premiums Plan G also has a lower rate increase trend from one year to the other when compared to the Medicare Supplement Plan F.
If you are planning to switch over from Plan F and have already paid your Part B deductible from the current calendar year, then you won’t be liable for that deductible for the remainder of the calendar year.
Need help in making the best decision for your health?
We work as Independent Insurance Brokers, and have been appointed by many of the major insurance carriers. We can help you find the best policy for your individual situation.
For more details, please feel welcomed to contact us today at (540) 662-4432, and talk to one of our Insurance agents or simply visit our website medicaretrustedagents.com to obtain more information.