Of all the Medicare supplemental plans available, Medigap Plan G for 2019 will rank second in total coverage. Only Plan F has more coverage, but Plan G may often be the more economical choice.
It covers a lot of the same items as its higher-coverage counterpart, but not quite all of them. The tradeoff is that is costs less, and that price difference can be substantial. In fact, it can often be cheaper to pay out of your own pocket the things that Plan G doesn’t cover than to go with Plan F. That’s how big a difference the cost between the two plans can be.
Plan G will cover you for in-hospital expenses with supplemental coverage for up to 365 days. It also gives you coverage for nursing care, for more blood each year and for up to 80% of your foreign emergency medical treatment. On that last coverage item, you will need to pay a deductible before you can receive any coverage.
Plan G also covers you for excess charges from Medicare Part B, the co-payments for Part B and Part A and the Part A deductible.
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That may sound like a lot of coverage, and it certainly is, but it does leave the Medicare Part B deductible for you to pay on your own. That’s really the only difference in coverage between Plan G and Plan F. You should consider, as you try to decide which plan to go with, that this deductible is quite inexpensive. You are usually better off just choosing Plan G and paying for that deductible out of your own pocket when it comes up.
Plan G, while cheaper than the full-coverage plan, is still not for everyone. Really, only people who have a lot of medical needs should be even considering it. If you are mostly covered by Medicare and you can easily afford your remaining medical bills, you don’t even want to bother with Plan G. It’s simply too extensive and costly for it to be worth your while.
But for those who are in and out of the hospital throughout the year, who need constant care and who have severe medical issues, Plan G is a very economical solution. It brings a lot of coverage to the table, and it manages to be pretty cheap in comparison to Plan F. If you want to find the best rates on this plan, then you should use our website. There, you will be able to not only compare rates between providers with Plan G, but you will also be able to sign up for the plans as well. It’s very convenient for those people who don’t want to go all over the internet looking for great rates and finding the plan that fits them best.
Just make sure you do your research and look into Medigap Plan G for 2019 before you sign up for it. You have a lot of time between now and then, and you want to make sure you are getting the right plan.