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Medicare Basics

Medigap Plan G – Medicare Supplement

Benefits
Medigap Plans
A B C D F G K L M N
Part A Hospital Co-insurance Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
365 Hospital Reserve Days Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B co-insurance/co-payment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Blood Benefit (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Hospice coinsurance/co-pay Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled Nursing Facility coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess charge No No No No Yes Yes No No No No
Foreign Travel Benefit No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit N/A N/A N/A N/A N/A N/A $5,560 $2,780 N/A N/A

2019 Data – Table Source

What Is Medigap Plan G?

Medigap Plan G has many benefits, including Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up, Part B coinsurance or co-payment, first three pints of blood, Part A hospice care coinsurance or co-payment, 80% of foreign travel emergency exchange, and skilled nursing facility care benefits. However, it does not include the Medicare Part B deductible. This should be taken into consideration before choosing a plan.

If you do not mind assuming the risk for the Part B deductible, then this could be the right plan for you.

Plan G also includes coverage for home-based recovery care and covers 100% of Medicare Part B excess charges.

It can be difficult to determine which plan is right for you, and not all insurance carriers offer all of the Medicare Supplement Plans.  Most insurance carriers offer a variety of plans, and our licensed sales agents can help you shop around for the plan that will best fit your needs and budget.