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Medicare Supplement (Medigap) Plan G benefits are the same as Plan F, with one exception. The Medicare Part B deductible, of $183 that is covered under Medigap Plans C and F will have to be paid out-of-pocket in Medigap Plan G.

Once your out-of-pocket expenses reach the Part B deductible amount; your Plan G has the same benefits as a plan F. Including, coverage while in a foreign country.

 

Medicare Supplement insurance: Plan G basic benefits

Medicare Supplement: Plan G Details

Part A

Services

Medicare Pays

This Plan Pays

You Pay

Hospitalization

First 60 Days

All But $1340

$1340 (Part A Deductible)

$0

61st Through 90th Day

All But $335 a Day

$335 a Day

$0

91st Day and After (60 Reserve Days)

All But $670 a Day

$670 a Day

$0

After Reserve (Additional 365 Days)

$0

100% of Eligible Expenses

$0

Beyond the Additional 365 Days

$0

$0

All Costs

Skilled Nursing Facility Care

First 20 Days

All Approved Amounts

$0

$0

21st Through 100th Day

All But $167.50 a Day

Up to $167.50 a Day

$0

101st Day and After

$0

$0

All Costs

Blood

First Three Pints

$0

100%

$0

Additional Amounts

100%

$0

$0

Hospice Care

You must meet Medicare's requirements, including a doctor's certification of terminal illness

All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care

Medicare copayment / coinsurance

$0

Part B

Services

Medicare Pays

This Plan Pays

You Pay

Medical Expenses

1st $183 of Approved Amounts

$0

$0

$183 (Part B Deductible)

The remainder of Approved Amounts

Generally 80%

Generally 20%

$0

Part B Excess Charge

$0

100%

$0

Blood

First Three Pints

$0

100%

$0

Next $183 of Approved Amounts

$0

$0

$183 (Plan B Deductible)

The remainder of Approved Amounts

Generally 80%

Generally 20%

$0

Clinical Laboratory Services

Tests for Diagnostic Services

100%

$0

$0

Foreign Travel

1st $250 during 1st 60 days

$0

$0

$250

Remainder of Charges up to a lifetime maximum of $50,000

$0

80%

20%

Most Medicare Supplement insurance plans do not cover the excess charges of Part B of your Medicare coverage. These are charges outside of the Medicare-approved charges. As an example, Medicare’s allowed cost for a doctor’s appointment may be $100, but your doctor may choose not to accept that amount. Instead, he charges you $115 for your appointment. In this example, your Medicare Plan B will pay 80% of the allowed charge, thus paying you doctor $80. Then you are responsible for paying not only the remaining $20. That leaves you with an excess of $15 above the allowed Medicare cost. Giving you a total out-of-pocket cost of $35. Medicare Supplement Plan G covers the $20 and excess charges of $15, and you end up paying $0

Compare Medigap Plan G with other Medicare Supplement (Medigap) plans

All 10 (Medigap) Medicare Supplement policies must follow federal and state laws designed to protect seniors. Benefit details of each plan letter must be the same no matter what Insurance carrier you purchase your insurance from. Cost is the only difference between Medicare Supplement policies of the same letter, as the insurance carriers may charge different rates for the same plans. Some famous carriers are particularly good at overcharging seniors for the same plan that you can get cheaper.

Below is a chart of all Medicare Supplements (Medigap) plans.

Compare Medigap plans side-by-side

The chart below shows the necessary information about the different benefits Medigap policies cover.

Yes = the plan covers 100% of this benefit
No = the policy doesn't cover that benefit
% = the plan covers that percentage of this benefit
N/A = not applicable

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Medigap Benefits

Medigap Plans

A

B

C

D

F*

G

K

L

M

N

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B coinsurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes***

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care coinsurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care coinsurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%