Medicare Supplement Plan G: Coverage, Benefits and Eligibility

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Medicare Supplement Plan G is the second most popular Medicare Supplement plan, and it’s not surprising. As you probably know, Medicare Parts A and B don’t pay all your healthcare costs – you’re still responsible for co-pays, deductibles and coinsurance. But if you have Medicare Supplement Plan G, virtually all of those costs will be paid for. Plan G is just one of 10 Medicare Supplement, or “Medigap” plans that are available.

Medicare Supplement Plan G Coverage

Plan G offers many benefits beyond what you get with Medicare alone. Plan G will typically pay for:

  • Another 365 days in the hospital after your Medicare Part A benefits have run out.
  • Your coinsurance for doctor visits, tests and other medical services under Medicare Part B. Medicare usually pays 80 percent; Plan G picks up the other 20.
  • The Medicare Part A deductible ($1340 in 2018).
  • Your coinsurance for hospice care.
  • Your coinsurance for skilled nursing care.
  • Three pints of blood.
  • Travel emergencies, within limits.

Plan G is also one of only two Medicare Supplement plans that pays Medicare Part B Excess Charges. If you see a healthcare provider that does not accept Medicare’s rate as full payment for services, then in most states the provider can charge you an extra 15 percent as “excess charges.” Excess charges are not covered by Medicare Part B, but they are covered by Plan G and Plan F.

medicare plan gEligibility for Medigap if You are 65 and Older

If you are enrolled in Medicare Part B because you are 65 or older, you can apply for any Medigap plan, including Plan G.

If you submit your application during the six-month period that begins with the first month you are at least 65 and enrolled in Medicare Part B, you are guaranteed to be accepted and your health won’t be a factor in the amount of your premium. This is also true if you apply at one of the other specific times when you have guaranteed issue rights.

You can apply for Plan G even if you don’t qualify for guaranteed issue rights, but insurance companies will take your overall health into account in deciding whether to accept you and how high your premium will be.

Plan G Eligibility for Disabled People Under 65

Some states require insurance companies to make Medicare Supplement policies available to people under 65 and disabled. If policies are offered in your state, your choices may be limited. Coverage for people under 65 is typically much more expensive than it is for people 65 and older.

How to Enroll in Plan G

You can enroll in Plan G online, and the process is relatively simple. The best way to handle it is to work with a company like MedicareFAQ that can search for the best rates from top insurance companies and help you through the enrollment process.  

Medicare Supplement Plan G Reviews

Plan G has become increasingly popular for its combination of robust coverage and relatively low premiums. Many people find that Plan G is a good value compared to the most popular Plan, F. Here’s how Plan G stacks up against Plan F, and another popular plan, Plan C.

Plan G vs Plan F

Plan F offers the most complete coverage of any Medigap plan. It has all the benefits of Plan G, plus one more: it pays the annual Medicare Part B deductible ($183 in 2018).

With Plan F, you have the fewest possible out of pocket costs. However, Plan F typically has more expensive premiums than Plan G, and it has tended to have higher rate increases than Plan G.

Medicare Plan G vs Plan F

Plan G vs Plan C

Plan C has many of the same features as Plan G, but there are two differences:

  • Plan C covers the Medicare Part B deductible, but Plan G does not
  • Plan G covers Medicare excess charges, but Plan C does not

Both Plan C and Plan G offer fewer benefits than Plan F. Therefore, they tend to have lower monthly premiums. If you are trying to decide between Plan G and Plan C, consider which is more valuable to you: having the $183 Part B deductible covered, or being protected against Medicare excess charges.

Apply for Medicare Plan G Online

When applying for Medicare Supplement coverage, it pays to be well-informed. MedicareFAQ will get quotes for you, free of charge, and help you understand pricing and benefits before you sign up. Get started today by calling the number above or filling out our online quote form.

Medicare Plan G Frequently Asked Questions

Does Medicare Plan G Cover Prescriptions?

No, Medicare Plan G does not cover prescriptions. No Medicare Supplement plan covers prescriptions. Most beneficiaries who have Original Medicare + a Medicare Supplement plan will enroll in a stand alone Medicare Part D prescription drug plan to cover the cost of their prescriptions.

The ideal combination for Medicare Plans is Original Medicare (Part A & Part B) + Medicare Supplement + Part D prescription drug plan.

What is Aetna Medicare Supplement Plan G?

Aetna is one of many well-known insurance companies that offers Medicare Supplement plans, including Plan G. All Medicare Supplement plans are standardized.

That means that the Plan G offered by Aetna is the same as the Plan G offered by any other insurance company. Insurance companies set their own premiums, and that means that Aetna’s Plan G may cost more or less than a competing insurance company’s Plan G.

Which is better – Medicare Plan F or G?

Plan F offers slightly better benefits, but Plan G usually has a better price. The only difference between the two, benefit-wise, is that Plan F pays the annual deductible for Medicare Part B.

That deductible is $183 a year for 2018, and you may save more than that in monthly premiums by choosing Plan G instead.

Are Medicare Plans G and F going to be discontinued?

Medicare Plans F and C are slated to be discontinued in 2020, but only for people who first become eligible for Medicare after 2020. If you buy Plan F now, you will not be kicked off the plan. However, if you turn 65 in 2021, you will not be able to buy Plan F anymore. There are no plans to discontinue Plan G.