Medicare Supplement Plan G

Written by: 
Matt Kiggins
Last updated: 
Apr 8, 2024

Medicare Supplement Plan G has become one of the most popular Medigap plans for Medicare beneficiaries. With a more affordable monthly premium than Plan F, Plan G is an appealing option for those with a budget. Plans F and G are very similar, but the main difference is that Plan G does not cover the Part B deductible. We can help you learn more about Plan G and can help you find the best insurance company to purchase your plan from.

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What Is Covered by Medicare Supplement Plan G?

The following are covered:

  • Medicare Part B excess charges
  • Medicare Part A deductible
  • Medicare Part A coinsurance
  • Doctor's office visits
  • Skilled nursing facility care
  • Foreign travel care in emergencies
  • 3 pints of blood when needed for a medical procedure

What Is Not Covered by Medicare Supplement Plan G?

Even though Medigap Plan G offers comprehensive coverage, some things are not covered by any Medicare Supplement insurance options.

These are some of the things that will not be covered:

  • Medicare Part B deductible
  • Cosmetic procedures and cosmetic surgery
  • Vision care, such as eye exams, eyeglasses, or contact lenses
  • Hearing care, such as hearing exams or hearing aids
  • Dental care, such as dental appointments or dentures
  • Prescription medication
  • Medical equipment that is not deemed medically necessary.

How Much Does Medicare Supplement Plan G Cost?

The best price for Medicare Supplement Plan G is $117 per month with Cigna in Texas for a 65-year-old female, non-smoker.

Am I Eligible?

You must be at least 65 years old and enrolled in Medicare Part B to be eligible.

When Can I Enroll?

The best time to enroll is during your Medigap Open Enrollment Period, which lasts for six months and starts the month that you have Part B coverage. Any beneficiary who applies will be accepted into any plan during this time, and health conditions will not impact pricing. However, suppose you are already past your enrollment period, in that case, you can still apply for a plan, but be aware that insurance companies will review your medical history when issuing coverage, they can deny applicants or charge higher rates.

How Are Medicare Supplement Plan G & Plan N Different?

  • The main difference is Plan N requires a copy of $25 for office visits and a $50 copay for ER visits, Plan G does not have any copays.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.

FAQ

The average cost is $125 to $250 per month in 2024.

You can enroll in Medicare starting three months before you turn 65, and you have seven months after that to do so.

While Plan N has copays for office and ER visits, Plan G does not.

Plan G is popular because it offers the most comprehensive coverage of all Medigap plans.

Suppose you apply outside the Medigap Open Enrollment Period without guaranteed issue rights. In that case, a Medicare insurance company can decline your application based on your health history or conditions.

Matt Kiggins
Matt Kiggins
Senior Editor
SimpleAdvisor.com

For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.

Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).

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Matt Kiggins
Matt Kiggins
Senior Editor
SimpleAdvisor.com
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Matt Kiggins is the producer appointed to oversee the content written on SimpleAdvisor.com.

Every agent representing PG holds a state-issued producer license for the states they serve.

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322182

Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors such as your health conditions, age, location, tobacco status, gender, and insurance provider.

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