Medicare Part G

Medicare has a number different parts designed to help seniors get the coverage they want. For some seniors, the basic Medicare plan won’t cover them well enough. That Medicare plan contains parts A and B, covering many inpatient and outpatient expenses, like nursing care, hospital stays, medications and doctor’s office visits. But what do other parts of Medicare cover? You might have heard about Medicare Part G, which we will discuss in detail for you here.

This is actually a part of Medicare known as Medicare Plan G. The Part G name is simply a common misconception. So many seniors hear about Plan G and the different parts of Medicare that they can sometimes get them confused with one another.

Plan G is a great health insurance plan, and it is one of the different options for Medicare Supplements, or the Medigap plans. These are complementary health insurance plans that are made to work with the Original Medicare plan and fill in its coverage gaps. Plan G is so popular because it fills in more gaps than any of the other Medicare Supplements.

medicare supplement

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Medicare Plan G

Each of the Supplement plans has its own set of coverage, decided upon by Medicare. This plans are sold by private insurance companies, but the insurers have to abide by the coverage rules that Medicare has set in place. So, that means that no matter which insurance provider you get Plan G from, you always get the same coverage. The price could even change, and it changes from one state to another and from one insurance provider to another. However, the coverage remains the same, and that can be very helpful for seniors to know as they try to compare the plans and then try to find good price on Plan G.

Let’s talk about Medicare Plan G and what kind of medical benefits it can provide for you. It covers you for all of the following medical expenses and services:

medicare supplement
  • Medicare hospice coinsurance- Providing coverage for hospice care that isn’t covered already by the basic Medicare plan
  • Medicare Part A copayments- Helping you pay for hospital stays and minimizing your out-of-pocket costs for common medical care
  • Medicare Part A deductible- This annual expense is $1,408, and Plan G can cover it completely for you. This is one of the major medical benefits of the powerful Supplement Plan G
  • Medicare Part B copayments- Covering you for doctor’s visits, ER visits and more and reducing some of the more common out-of-pocket expenses
  • Medicare Part B excess charges- If you ever have to go to a medical doctor who does not fully accept Medicare, then you will be glad that you have this medical benefit, as it takes care of your costs where the Original Medicare plan would ask you to pay for them yourself
  • Nursing care coinsurance- Covering additional nursing costs that aren’t covered by the Original Medicare plan
  • Foreign travel exchange- Medicare Plan G covers you for up to 80% every time you need to be transported out of the country for a medical emergency, with up to $50,000 in lifetime coverage
  • Blood usage- Original Medicare may take care of most of your blood usage costs, but Plan G covers the first three each year for you.

 

This is some pretty comprehensive coverage, and most seniors will be well covered with Plan G backing them up. They might not have to pay much of anything out of their own pockets every time they visit the hospital, doctor’s office, clinic or other healthcare facility.

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Medicare Plan G Reviews - Plan G vs Plan N

Medicare plan G is not the only high coverage Medicare Supplement available. Another one that a lot of seniors are going for is Plan N. This Supplement plan is offering some similar high coverage, and it might even be more economical than Plan G.

Under Medicare Supplement Plan N’s coverage, you can enjoy medical benefits like Medicare Part A and B copayments, Medicare Part A’s annual deductible, Medicare Part A hospice coinsurance, nursing care coinsurance, blood use, and foreign travel exchange. Now, Plan N will not cover all Medicare Part B copayments. It requires you to pay some of the smaller ones, and these are only $20 and $50 for your visits to the ER and to the doctor.

Plan N covers most of the supplemental expenses, and the reason we say it is so economical is because it is often quite a bit cheaper than Plan G, but the coverage is nearly identical. What it does not cover for you tends to be medical expenses that are simply uncommon or not very expensive. You’ll want to compare Plan N closely to Plan G and make sure you are making the right choice. A lot of seniors save money with Plan N, even though Supplement Plan G is the more popular choice.

medicare supplement

Medicare Plan F vs Plan G

medicare supplement

You may want to look at Supplement Plan F as well. This will cover you for all supplemental expenses, making it a full coverage Supplement. No other Medigap plan can offer what it does, and it used to be the most popular Supplement plan on the market. It’s no longer on the market for most people, however.

A few years ago, Medicare Supplement Plan F was delisted. Insurance companies were simply charging too much for it and not valuing it properly. The high prices caused the US government to take action, stepping in and legislating Plan F to be delisted. Now, the only way you can even access Plan F is if you have it as your current health insurance plan. If you were enrolled in Plan F at the moment that it was delisted, you could continue to stay enrolled in it year after year. No one else can access it, though.

Plan F is offering coverage for Medicare Part B’s annual deductible of $198. That’s not a substantial medical benefit, by any means, but it is one that none of the other Supplement plans are offering. Medicare Part G, or Plan G, does not cover that for you, but it doesn’t have to in order to save you money.

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Medicare Plan G Cost

A lot of seniors have ended up on this page because they want to find out how much Plan G will cost them. We can tell you that the average price for Supplement Plan G is about $150 a month. You can find it as low as $90 if you are using our site and comparing quotes, but then you could also end up paying close to $200 a month.

Plan G can be quite affordable for you, and it’s only a matter of searching enough to find some competitive prices. Our site is designed to make the process of searching for affordable prices very simple for you, and if you need any help, you can feel free to give us a call.

medicare supplement

If you want to get the best price on Plan G, we recommend that you enroll as soon as you can. That would be close to your 65th birthday. There are three months before and three months after your birthday in which you can enroll. Together with your birthday month, they make a seven-month window known as Open Enrollment. You can get the best rates then, which is why we recommend that you try to apply at that point. You also get guaranteed approval, meaning that the insurance companies cannot turn down your application for a Medicare Plan G policy.

Why would they reject you? Well, if you are considered a medical risk due to your health status, then insurance companies have the right to deny you coverage or charge you more, but only if you apply for Medicare Plan G after the initial Open Enrollment period.

You won’t be able to sign up at any time you like, though. You have to apply at the approved times, which would be during annual enrollment starting on October 15th. You’ll have until December 7th to enroll in the plan of your choosing, be it Plan G or something else.

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Medicare Plan G Coverage

It’s important that you pick a medical insurance provider who will take good care of you and give you value for your money. Like Plan F and its poor value problem, you can also sign up for some Medicare Supplement Plan G policies that simply aren’t giving you much value. We want to help you avoid that by pointing out the differences between some of the major insurance providers.

When you are choosing an insurance provider, you should look for factors like the cost of the plan, the member perks you get, the customer service experience, and the financial strength of the company. These factors affect how pleasant your time with that insurer will be and how much value they will be providing for you.

Let’s look at some major insurance companies and see what they can offer you:

cigna

Aetna Medicare Supplement Plan G

This insurer handles claims very well and has a great customer service record. They are continually rated well by third party reviewers and keep competitive rates. Their rates are also stable, meaning that they are financially sound and unlikely to cancel coverage or drastically and unexpectedly change prices.

bluecross blueshield

Cigna Medicare Supplement Plan G

When you sign up with Cigna, you can take advantage of their international connections and get coverage that can minimize your medical expenses while travelling. Cigna has fairly competitive rates, a strong financial status and a solid lineup of insurance plans.

aetna

Humana Medicare Supplement Plan G

We suggest Humana as an option for your health insurance provider because of their commitment to their customers. They continually impress with great customer service, and they are very responsive and offer some decent perks that are all about helping you to live healthier and longer.

united healthcare

Mutual of Omaha Medicare Supplement Plan G

This company has been selling Plan G since it first became available, and they have a good reputation as a customer-oriented company. They try hard to keep their prices competitive and to offer high value perks to make their plans more worthwhile for consumers.

mutal of omaha

AARP United Healthcare Medicare Supplement Plan G

United Healthcare and AARP are working together and are stronger than ever. They have some decent prices and a great network coverage area. They also offer all sorts of member perks that go beyond just some basic coverage. They offer telehealth services, letting you talk on the phone to a medical doctor or a nurse at any hour of the day. They also have connections to a lot of gyms across the country, meaning you can get free access to any of their partner gyms. On top of that, they offer financial consulting services and a variety of other kinds of insurance plans that can be bundled together for greater savings.

Medicare Plan G Prices

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Medicare Plan G - Apply Today!

Do you have a medical insurance plan of some kind right now? There is a chance that Plan G will not be compatible and that conflict will occur between plans when they both offer some of the same coverage. The two plans don’t have to be mostly alike for them to be incompatible. They simply need to share a single medical benefit.

This makes Plan G incompatible with any of the other Supplement plans, of course, since they all offer some of the same benefits. It is also incompatible with Medicare Advantage. Plan G probably won’t work with your union or employer-based plans either.

It will work with the Original Medicare plan, and that medical plan is actually required for Plan G to function. Plan G also works well with Medicare Part D, but not Part C, which are Advantage plans.

If you want to learn more about Medicare Part G, better known as Plan G, then you should give us a call. We can answer queries for you and help you figure out which plan might be right for you. Plan G could be a major moneymaker for you, covering you well and keeping out-of-pocket costs low.

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