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
| 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% | |
