Medicare Supplement Plan G is one of the most comprehensive Medigap options available to people newly eligible for Medicare. It covers most standardized gaps in Original Medicare after the annual Part B deductible.
Plan G generally covers Part A coinsurance and additional hospital days, Part B coinsurance, the first three pints of blood, Part A hospice cost sharing, skilled nursing facility coinsurance, the Part A deductible, Part B excess charges, and 80% of eligible foreign-travel emergency costs up to plan limits.
You pay the monthly Plan G premium, the annual Medicare Part B deductible, your Part B premium, prescription drug costs, and services Medicare does not cover.
Plan G can offer broad provider access and predictable Medicare-covered medical expenses. It may appeal to frequent travelers, beneficiaries who see specialists, and people who prefer fewer point-of-service copays.
Plan G does not include outpatient prescription drug coverage. Enroll in a standalone Part D plan unless you have other creditable coverage.
Plan G generally has a higher premium but covers Part B excess charges and does not use Plan N’s permitted office and emergency-room copays. Compare the premium savings against expected care use.
Your six-month Medigap Open Enrollment Period generally begins when you are 65 or older and enrolled in Part B. Outside protected rights, medical underwriting may apply.
Because Plan G benefits are standardized, compare premium, rate history, household discount, financial strength, customer service, application rules, and billing options.
Medicare rules, plan availability, provider networks, drug formularies, benefits, premiums, and eligibility can vary by person, county, and year. A licensed Accurate Health Plans agent can help you compare the details that affect your decision.
No. You pay the annual Part B deductible before Medicare and Plan G coordinate most Part B cost sharing.
Plan G works with Original Medicare and generally can be used with providers nationwide who accept Medicare.
The standardized medical benefits are the same. Premiums, underwriting, discounts, service, and rate increases can differ.