Medicare Supplement (Medigap) Plan G

Medigap Plan G features the second-best coverage in the Medicare Supplement domain. It is the second most common plan among Medicare beneficiaries. Plan G covers all the gaps left by Original Medicare besides Part B’s deductible.

What Does Medigap Plan G cover?

Medicare Supplement Plan G covers nearly every out-of-pocket cost left behind by Original Medicare. These include:

  • Medicare Part A deductible
  • Medicare Part B excess charges
  • Foreign travel emergency
  • Skilled nursing facility coinsurance
  • Part A hospice care copayment
  • Medicare Part A coinsurance and hospital costs
  • Medicare Part B copayment
  • The first three pints of blood used in an approved medical procedure

It does not cover Medicare Part B’s deductible, and that’s it. Since that lowers the premium, it motivates some Medicare beneficiaries to take that risk.

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Medicare Plan G Deductible

Many folks get confused because they think Medicare Supplement Plan G has a deductible. The deductible you are paying is actually Medicare Part B’s outpatient care deductible, which is $198 in 2020. Medigap Plan G covers all remaining costs after that deductible. 

If you are able to find a Plan G policy that is much cheaper than Plan F in your area, consider choosing Plan G due to financial savings. Plan B’s deductible is only paid once a year. You will save money if your Plan G premium is more than $15 cheaper than Plan F! 

At Turning 65 Solutions, our experienced Medicare agents would be happy to look for Medicare Supplement plans for you.

Which Offers More Coverage — Plan F or Plan G?

Technically speaking, both Plan F and Plan G offer the same coverage. The only difference is that you pay Medicare Plan B’s deductible annually.  

But, since Plan G has a lower monthly premium, you could save money! 

Contact us today to learn how much money you could save by purchasing a Medicare Supplement Insurance plan. You can reach our San Antonio, Texas office by phone at 800-515-4031.