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Medigap Plan G: Medicare Supplement Insurance
By Kolt Legette
May 23, 2020
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|
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 | $5,880 | $2,940 | N/A | N/A | |
2020 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.
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Originally posted on Jun 24, 2020 05:06:24
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