Medigap Plan G

Medigap Plan G

Medigap Plan G offers some of the best coverage of the 10 supplement plans. But does it fit your budget and needs? Let’s find out.

Plan G Coverage

With Plan G, you can expect comprehensive coverage for these benefits:

  • 100% of Part A Coinsurance & Hospital Costs
  • 100% of Part B Coinsurance/Copayment
  • 100% of the First 3 Pints of Blood for Transfusions
  • 100% of Part A Hospice Care Coinsurance/Copayment
  • 100% of Skilled Nursing Care Facility Coinsurance
  • 100% of your Part A Deductible
  • 100% of Part B Excess Charges
  • 80% of Foreign Travel Emergency Care

Without this plan, you would be expected to cover all of these costs out-of-pocket. But what are these fees, and how often will you actually encounter them?

Your Costs Without Plan G

For all the care you receive through Original Medicare, you are expected to meet three basic payments:

  • Premium: A monthly payment you must make in order to receive coverage
  • Deductible: A yearly cost you must pay to your plan before you can access its benefits
  • Copayment/Coinsurance: A flat price or percentage rate you pay for each service used through the plan

Even with supplement plan coverage, you will not receive coverage for your premium payments. However, a supplement plan, especially Plan G, can help with the other costs.

The 2021 deductible for Part A is $1,484, and $203 for Part B.

On top of all of this, you will also have to pay a contribution for each service you use under Original Medicare. This will typically either be a $20 copay or a 20% coinsurance rate.

There are also a lot of other fees that may sneak up on you—Parts A and B place strict limits on the extent of their benefits. If you stay in a hospital or nursing care longer than 100 days in an entire year, you will have to start paying out-of-pocket, not to mention the unexpected uncovered charges with Part B.

Why Plan G Works—A Cost Breakdown

Now, let’s account for all of the costs if you had a Medigap Plan G. The only thing not covered in this list of fees is your Part B deductible at $203 per year—everything else can be subtracted from your out-of-pocket costs.

The average premium ranges from $50-200 a month. However, they can be as little as $0 if you choose a high-deductible option.

Regardless of how you charge your Plan G, it will ultimately pay for itself, costing on average $2,403 per year versus $6,577 without it, not including potential excess charges and copayments/coinsurance.

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Need Help Choosing a Medigap Plan? Call MB Insurance Solutions

Plan G is a fantastic supplement option, but it’s not the only one out there. With so many plan and provider options, where do you start? I’m offering my expertise to get you the best plan on the market. To get started, call Bartock Insurance Solutions at 813-767-2878.