Blue Cross Blue Shield Medicare Supplement Plan G 2024 Rates

Compare affordable Medicare Plans

Russell Noga
by Russell Noga | Updated August 28th, 2023

Blue Cross Blue Shield Medicare Supplement Plan G

Are you confused about Blue Cross Blue Shield Medicare Supplement Plan G and what it offers?

Look no further! We’re here to provide you with a fresh perspective on this popular plan.

In this blog post, we will guide you through the ins and outs of Blue Cross Blue Shield Medicare Supplement Plan G, from its key benefits and eligibility requirements to comparing it with other plans.

You’ll also learn about additional benefits, enrollment periods, and premium discounts. So buckle up and let’s dive into the world of Blue Cross Blue Shield Medicare Supplement Plan G!


Short Summary

  • Blue Cross Blue Shield Medicare Supplement Plan G offers comprehensive coverage for out-of-pocket expenses and no maximum out-of-pocket limit.
  • Eligibility requirements include enrollment in Parts A & B of Medicare, as well as age or disability criteria.
  • Additional benefits such as dental, vision, hearing care and discounts are available to eligible members at an affordable cost.




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Understanding Medicare Supplement Plan G

Medicare Supplement Plan G, also known as Medigap Plan G, is a popular choice among individuals who are qualified for Medicare.

As a part of the federal Medicare program, this Medicare supplement insurance plan assists in covering all out-of-pocket expenses that are not covered by Original Medicare for Medicare-approved services, apart from the Medicare Part B deductible.

This means you can enjoy the same medical coverage as other Medicare Supplement plans without worrying about unexpected costs.

So, what are the key benefits of Plan G, and who is eligible for it? Let’s explore!


Key Benefits


One of the primary advantages of Medicare Supplement Plan G is its comprehensive coverage for coinsurance, copayments, and hospital costs beyond what is provided by Medicare.

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This includes coverage for office visits, dental preventive services cleanings, and even foreign travel coverage.

However, it is essential to note that Plan G does not include prescription drug coverage.

Plan G also offers coverage for copays and coinsurance not paid by Medicare, coverage for the Part A deductible, and coverage for 365 additional days of hospital care after Medicare coverage concludes.

With these benefits, you can enjoy peace of mind knowing that your healthcare costs are well managed.

Eligibility Requirements

For you to be eligible for Medicare Supplement Plan G, you need to be enrolled in Medicare Parts A and B and meet specific age or disability conditions. Individuals who have reached the age of 65 are eligible for Plan G, which offers the same benefits as other Medicare Supplement plans.

Furthermore, those under 65 and disabled may apply for Plan G upon being notified of their eligibility for Medicare due to disability.

Blue Cross Blue Shield's Medicare Supplement Plan G

Blue Cross Blue Shield (BCBS) takes Medicare Supplement Plan G to the next level by offering nationwide network access and no out-of-pocket maximum. This means that BCBS members can access any doctor in the US who accepts Original Medicare without any restrictions imposed by the network.


Blue shield medicare supplement login Moreover, Plan G does not have an out-of-pocket maximum, providing comprehensive coverage for eligible expenses.


Now, let’s delve deeper into these features of BCBS’s Plan G.


Nationwide Network Access


With nationwide network access, BCBS’s Medicare Supplement Plan G members can avail care from any provider in the US that accepts Original Medicare, including hospitals, doctors, specialists, and other healthcare providers.

This freedom allows you to choose the best healthcare providers for your needs without worrying about network restrictions.

Isn’t it great to have the flexibility to see any doctor you want?


No Out-of-Pocket Maximum


Unlike some other plans, Plan G does not have an out-of-pocket maximum. This means that the plan provides comprehensive coverage for eligible expenses, giving you the peace of mind of knowing that your healthcare costs are well-protected.

With no out-of-pocket maximum or lifetime maximum benefit, you can focus on getting the care you need without worrying about unexpected costs.

Comparing Medicare Supplement Plans

It’s essential to compare Medicare Supplement plans to find the one that best suits your needs. In this section, we will compare Plan G with other popular Medicare Supplement plans, such as Plan F and Plan N.

Understanding the differences between these plans can help you make an informed decision about which plan is the best fit for your healthcare needs and budget.


Medicare Plan F vs. Plan G


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Medicare Plan F is another popular Medicare Supplement plan, but there are some key differences between Plan F and Plan G. The primary distinction is that Plan F covers all out-of-pocket costs, including the Medicare Part B deductible, whereas Plan G does not.

However, Plan F is only available to those eligible before January 1, 2020. If you became eligible for Medicare after this date, Plan G would be your best option, as it provides similar coverage without the Part B deductible.


Plan N vs. Plan G


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When comparing Medicare Plan N and Plan G, it’s essential to consider that Medigap Plan N typically costs less than Plan G, with an average difference of $15 – $30 per month.

However, Plan N does not provide coverage for Medicare Part B copayments and excess charges, whereas Plan G does include such coverage.

If you prefer lower monthly premiums and don’t mind paying deductibles and copayments for certain services, Plan N could be a more suitable option for you.

Additional Benefits and Programs

Aside from the standard Medicare Supplement Plan G coverage, Blue Cross Blue Shield offers additional Medicare benefits and programs for Plan G members. These include dental, vision, and hearing coverage that can greatly enhance your healthcare experience.

Let’s take a closer look at these additional program benefit descriptions member benefits and programs.


Dental, Vision, and Hearing Coverage


For an additional monthly fee, you can add optional dental, vision, and hearing coverage to your Plan G.

This comprehensive coverage includes an oral cancer screening once per calendar year, an unlimited number of extractions, and one filling per tooth per calendar year. With these dental benefits, you can maintain your oral health without breaking the bank.

The optional vision and hearing coverage in Plan G Plus offers additional peace of mind for your overall health. The coverage includes annual eye exams, contact lenses, and hearing aids, ensuring that you can maintain your quality of life while keeping healthcare costs under control.


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Blue365® Discounts


Blue365® discounts provide members with discounts on health and wellness products and services. These discounts are included in Blue Cross Blue Shield’s Medicare Supplement Plan G and can help you save on various health-related expenses, from fitness programs to nutrition counseling.

By taking advantage of these discounts, you can invest in your well-being without straining your budget.

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Enrollment Periods and Guaranteed Eligibility

Enrolling in Medicare Supplement Plan G at the right time is crucial to ensure that you get the best coverage and rates. In this section, we will discuss enrollment periods and guaranteed eligibility for Medicare Supplement Plan G, so you know when and how to enroll in the plan that best meets your needs.

It is important to understand the different enrollment periods and eligibility requirements for Medicare Supplement Plan G.


Open Enrollment Period


The Open Enrollment Period for Medicare Supplement Plan G begins in the first six months of an individual’s 65th birthday and enrollment in Medicare Part B. Now is a great time to sign up for a plan!


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Your application will not be declined, limited, or subjected to bias resulting from your health status, claims history, access to health care or medical condition.

Enrolling during this period ensures that you receive the best coverage and rates for your healthcare needs.


Guaranteed Issue Rights


Guaranteed issue rights for Plan G are provided under certain conditions, including when an individual loses employer-sponsored coverage. These rights ensure that you can enroll in Plan G regardless of your health status or pre-existing conditions.

By understanding the guaranteed issue rights, you can ensure that you maintain access to comprehensive healthcare coverage even when your circumstances change, especially when dealing with a mutual legal reserve company.

Premium Discounts and Reduced Rates

What is Medicare Supplement Plan G coverage?Blue Cross Blue Shield, also known as the cross and blue shield, offers premium discounts and reduced rates for eligible Plan G members, making healthcare coverage more affordable.

These discounts are subject to specific eligibility criteria and can help you save on your healthcare expenses.


Let’s explore the premium discounts and reduced rates available for Plan G members.

Household Discount


A household discount may be available for policyholders who meet certain criteria, such as living with another Blue Cross Blue Shield member. This discount can help reduce your premiums and save you money on healthcare expenses.

To learn more about the eligibility criteria for household discounts, contact Blue Cross Blue Shield directly or visit their website.


Continue with BlueSM Discount


Continue with BlueSM discount rewards members who have had previous Blue Cross Blue Shield coverage in specified states. This discount is subject to eligibility criteria, which may vary depending on the state and the effective date of the policy.

To find out if you qualify for the Continue with BlueSM discount, consult with Blue Cross Blue Shield in your particular state.


Tools and Resources


To help you make informed decisions about Medicare Supplement Plan G, various tools and resources are available. These include rate quotes, coverage information, and expert assistance from knowledgeable advisors and agents.

By utilizing these tools and resources, you can compare and choose the best plan for your healthcare needs, ensuring that you receive the coverage and support you deserve.


Rate Quotes and Coverage Information


Rate quotes and coverage information are available to help you compare and choose the best plan for your needs. These quotes can be influenced by factors such as age, location, and health status.

To obtain specific rate quotes and coverage information, it is best to contact Blue Cross Blue Shield directly or view their website for more information.


Expert Assistance


Expert assistance from experienced advisors and agents is available to help you select the right Blue Cross Medicare plan. These professionals can offer tailored advice and help you understand your coverage options and find the plan that best meets your needs.

To access expert assistance, you can contact us today at 1-888-891-0229.


In conclusion, Medicare Supplement Plan G is a popular and comprehensive coverage option that can help you manage your healthcare expenses effectively. With its key benefits, nationwide network access, and no out-of-pocket maximum, Plan G offers peace of mind for your healthcare needs.


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Whether you’re comparing plans, looking for additional benefits, or seeking expert advice, the information provided in this blog post will help you make an informed decision and choose the right plan for you.

Take control of your healthcare today and invest in a Medicare Supplement Plan G that meets your unique needs!




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Frequently Asked Questions


What is Plan G in Medicare Supplement?

Medicare Supplement Plan G covers most medical benefits that Original Medicare covers, except for the outpatient deductible. It helps to pay for inpatient hospital costs, such as the first three pints of blood, skilled nursing facility care and hospice care.

Plan G is a supplemental policy which fills many gaps in a Medicare policy and pays for most remaining costs after Part A or Part B benefits have been paid. It also excludes the Medicare Part B deductible.


What does Supplement Plan G cover?

Medicare Supplement Plan G covers copays and coinsurance not paid by Medicare Parts A and B, pays the deductible for Part A, and helps cover inpatient hospital costs, skilled nursing facility care, and hospice care.

It does not include coverage for the Medicare Part B deductible.


Is Medicare Plan G any good?

Medicare Supplement Plan G is a great option for seniors and Medicare enrollees, as it provides comprehensive coverage with low out-of-pocket costs. Plan G covers almost all expenses aside from the Part B deductible, making it an attractive choice.


What is the difference between Plan G and N?

Plan G covers 100% of all Medicare-covered expenses after the Part B deductible has been met, while Plan N has additional out-of-pocket expenses and copays for medical office visits and emergency department visits.

Copays for Plan N include a $20 copay for medical office visits and a $50 copay for emergency department visits.


What additional benefits and programs does Blue Cross Blue Shield provide for Plan G members?

Blue Cross Blue Shield offers additional benefits and programs such as dental, vision, and hearing coverage for Plan G members.

These benefits are designed to help members maintain their health and well-being. They can also help reduce out-of-pocket costs for medical services.

Plan G members can take advantage of Plan G’s benefits.

Find the Right Medicare Plan for You

Finding the right Medicare Supplement Plan doesn’t have to be confusing. Whether it’s a Medigap plan, or you have questions about Blue Cross Blue Shield Medicare Supplement Plan G, we can help.

Call us today at 1-888-891-0229 and one of our knowledgeable, licensed insurance agents will be happy to assist you!

Medicare Supplement Plan G Rates