Medicare Supplement Plan G is definitely the most popular Medigap plan for 2023. The plan has amazing coverage, with just one low annual deductible to pay.
And with Original Medicare and a Plan G supplement, you’ll have no network! Visit any doctor, specialist, or hospital in the country that accepts Medicare.
What is Medicare Supplement Plan G?
Medicare Supplement Plan G is a type of Medicare supplemental insurance that helps cover some of the costs not covered by Original Medicare. It is one of the ten standardized Medigap plans available, with each plan covering different expenses.
People who have Medicare Supplement Plan G receive coverage for extra medical services beyond what Original Medicare typically covers including deductibles, copayments, coinsurance, and foreign emergency care. With Medigap Plan G, people can also be eligible for preventive services like annual wellness exams at no cost.
Plan G has several benefits compared to other Medigap plans: it offers robust coverage for out-of-pocket expenses, and in some cases can be less expensive than other plans that offer similar coverage. Additionally, unlike most other Medigap plans, there is no coinsurance associated with Part B doctor’s expenses when you have this coverage — meaning you won’t owe any out-of-pocket costs if you end up needing to use your Part B hospital benefits.
What does Medicare Plan G cover?
Generally speaking, it covers many of the same services as Original Medicare – such as doctor visits, hospitalizations, and lab tests – but with the addition of foreign travel emergency care (while traveling outside the U.S.) as well as deductibles and copayments associated with Part A and Part B services (including mental health care). Specifically, here is a more comprehensive list of items that are covered by Plan G:
• Deductible for Part A
• Coinsurance for hospital stays over 60 days
• Coinsurance for Skilled Nursing Facilities
• Hospice coinsurance or copayment
• Part B excess charges
• First three pints of blood each year
• Foreign travel exchange (up to 80% of approved charges)
• Medical expenses incurred while traveling abroad
Furthermore, Plan G also provides additional coverage for preventative services such as yearly checkups and routine vaccinations at no additional cost. This means that you don’t have to pay anything out of pocket for routine preventative care when using your plan in conjunction with Original Medicare.
Finally, people who purchase a plan through certain carriers may also be eligible for additional features like dental or vision benefits at an additional cost.
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While most insurance companies offer Plan G, they all have the same exact Plan G with the same benefits.
Trying to shop for Plan G from every single carrier on your own is a complete nightmare. You’d have to call every company separately and talk to a sales agent who will try to sell you their Plan G.
Even if it’s $40 higher a month than another company!
We shop all the rates for you, for FREE each year to always make sure you’re paying the least amount possible.
View Plan G rates in your area
Medicare Supplement Plan G Coverage
With Medicare Supplement Plan G in 2023, there is a monthly premium you’ll pay for the plan, then only have just one small deductible to meet each year. This deductible is for Medicare Part B which covers all doctor’s services.
Once you meet this deductible, Medicare Part B will pay 80% of your medical bills. Medicare Supplement Plan G will pay the remaining 20%.
How Medicare Plan G Works
Unlike some other Medicare plans, Medicare Supplement Plan G has the highest level of coverage with just one small deductible to pay. Additionally, once an individual is enrolled in a plan, they are eligible to receive emergency care anywhere in the United States regardless of their home state’s laws.
Plan G does require that participants meet certain criteria before enrolling. In order to be eligible for Medicare Plan G, one must be enrolled in both Medicare Part A and B. If you are within 6 months of enrolling in Medicare Part B, you may enroll in Medicare Plan G with no medical questions asked.
You are guaranteed to be accepted into the plan.
If you are outside of this period, then it’s likely you will have to go through medical underwriting when you apply. Once approved for a Medicare Plan G plan, beneficiaries can choose from a variety of different options depending on their needs and budget requirements.
These plans may provide different levels of coverage including hospitalization, outpatient visits, doctor visits, preventive care services such as screenings and vaccinations, mental health services like counseling and therapy sessions, prescription drugs coverage through generic drug lists, or discounted prices up to 90%.
When it comes to finding the best Medicare Supplement Plan G, that depends on which companies offer the lowest premiums in your area. You can check these now by entering your zip code above.
Medicare Part B Deductible for 2023
The annual Medicare Part B deductible for 2023 is $226.
Once you meet that amount in medical bills, Medicare will pay 80% of your doctor’s bills and Medicare Supplement Plan G will pay the difference.
Medicare Supplement Plan G Companies
When it comes to Medicare supplement plans, each company offers identical coverage within each plan letter. This means a Medicare Supplement Plan G from one company, has exactly the same coverage as a Plan G from another.
Their rates however are all entirely different. And you’ll get a rate increase each year! So where do you start?
We’ve helped thousands of people over the last 12 years pay the least amount possible for Medicare Supplement Plan G coverage each year, and they don’t pay us a dime. We can help you too, just call us today at 1-888-891-0229.
The Top Companies Offering Medicare Supplement Plan G:
- Aetna Medicare Supplement Plan G
- Mutual of Omaha Plan G
- Accendo Plan G
- Cigna Plan G
How Much Does Medicare Supplement Plan G Cost?
The cost of obtaining a Plan G policy can vary based on location, gender, and in some cases, health status.
On average, the monthly premium for Plan G in 2022 was $137 per month.
It’s evident that Plan G can be a cost-effective choice, depending on the medical services one requires. All those Medicare copays and coinsurance expenses for supplies and services can add up quickly.
How to Enroll in Medicare Supplement Plan G
The easiest way to enroll in any Medigap Plan in 2023 is to just give us a call today at 1-888-891-0229.
We’ve been helping people like yourself for over 12 years save the most money on their Medigap insurance. We’ll make it easy by walking you through the entire process. There is also a high-deductible version of Medicare Plan G that we can show you.
Let us shop all the top companies for you today for Medicare Plan G. We’ll make sure you don’t overpay now, or for years to come.
To get started, just call us today at 1-888-891-0229.
