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Long Beach California

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Medicare Supplement Plan G

Learn why Plan G is the Top Medicare Supplement Plan 

Selected by Most Medicare Beneficiaries.  

Medicare Supplement Plan G - Top Plan 2022

When it comes to selecting a Medicare Supplement plan, the Medigap Plan G is the top contender for plan year 2022 and beyond.  Most existing Medicare Beneficiaries are familiar with Plan F as this was the most popular plan.  Plan G is very similar to Plan F with one minor difference. 

For Medicare Beneficiaries willing to pay a small annual deductible of $203 for plan year 2021 the Medicare supplement plan G is the plan to choose.  This is the only difference between Plan F and Plan G.  Well of course the plan G comes at a lower monthly premium.

Medicare Supplement Plan G is today’s most compressive Medigap plan available starting January 1, 2020.  This is because for those individuals that turn 65 years old on or after this date, they are no longer able to purchase the Plan F.  Congress has removed this plan for anyone new to Medicare. 

As you can see below, Supplement Plan G covers almost everything that F does, except for the Part B deductible

Medigap Plan G Benefits

Medigap Plan F Benefits

Medicare Supplement Plan G Coverage Overview

What Medical Services Does Plan G Cover?

Medicare Supplement Plan G picks up where original Medicare leaves off.  While Medicare provides great coverage, it does have some gaps related to copayments, coinsurance, and deductibles.  This is where plan G steps in and covers your share of the remaining medical bill not covered by Medicare.  As shown above the Plan G picks up all cost except for the Part B deductible.

If you end up in the hospital your Plan G would cover 100% of the covered cost associated with your hospital stay up to the per stay maximum day’s.   Plan G also provides additional benefits related to outpatient medical services such as doctor visits, lab work, diabetes supplies, durable medical equipment, x-rays, ambulance, surgeries and much more.

When you end up at the Doctors office, if you have not already paid your Part B deductible you will be asked to cover this cost first.  Next your Doctor will bill Medicare and they will pay their portion.  Lastly, Medicare will invoice the insurance company who covers your Plan G, and they  pays all the rest.

Many Medicare Insurance Companies who offer Plan G Medicare Supplements, will include up to $50,000 in foreign travel emergency benefits.

Part A Deductible and Coinsurance Amounts for Calendar Years 2021

Part A Cost Without Medicare Supplement Plan G

  • Inpatient Hospital Deductible
  • Daily Coinsurance for 61st-90th Day
  • Daily Coinsurance for Lifetime Reserve Days
  • Skilled Nursing Facility Coinsurance (Day 1-20)
  • Skilled Nursing Facility Coinsurance (Day 21-100)
  • Skilled Nursing Facility Coinsurance (Day 101 and beyond)
  • $1,484
  • $371
  • $742
  • $0.00
  • $185.50
  • All Cost

Part A Cost With Medicare Supplement Plan G

  • Inpatient Hospital Deductible
  • Daily Coinsurance for 61st-90th Day
  • Daily Coinsurance for Lifetime Reserve Days
  • Additional 365 Days in Hospital
  • Skilled Nursing Facility Coinsurance (Day 1-100)
  • Skilled Nursing Facility Coinsurance (Day 101 and beyond)
  • $0.00
  • $0.00
  • $0.00
  • $0.00
  • $0.00
  • All Cost

Part B Deductible and Coinsurance Amounts for Calendar Years 2021

Part B Cost Without Medicare Supplement Plan G

  • Annual Medicare Part B deductible 
  • 20% co-insurance total cost of your bill
  • Excess Charges
  • $203
  • UNLIMITED
  • Additional 15% above Medicare accepted amount

Part B Cost With Medicare Supplement Plan G

  • Annual Medicare Part B deductible 
  • 20% co-insurance total cost of your bill
  • Excess Charges
  • $203
  • $0.00
  • $0.00

Difference Between Medicare Supplement Plan G versus Plan F

The only differences in coverage between the Medicare Supplement Plan G and Plan F, is your Part B deductible is not included under plan G.  This simply means that when you first visit your doctor you will be responsible to first pay your annual deductible of $203.  Where the Plan F covers this cost under the plan itself.  Once your annual deductible has been met all other covered medical expenses are covered at 100%

When you select the Medicare Supplement Plan G vs Plan F you will see a lower monthly plan premium.  The savings can equal between $500 to $900 annually in premium savings just for the insurance company to NOT manage your $203 Part B deductible.  We don’t believe it is worth you paying the insurance company an extra $300 to $700 annually just for them to manage your deductible.  

One you have paid for your Part B deductible the Medicare Supplement Plan G and Plan F are exactly the same.