Medigap Plan G PLUS is the newest addition to the Medigap world, covering everything Plan G covers while also offering vision, hearing and dental. As of now, it is only offered by Blue Cross Blue Shield of Illinois.
While all Medigap plans are standardized, a few insurance providers in California have begun to include additional hearing and vision benefits such as our top selling Medigap G Extra.
The new Medigap G PLUS from Blue Cross Blue Shield of Illinois offers not only hearing and vision benefits, but also dental. This is a rare find when it comes to Medigap!
Should you consider Medigap G PLUS?
Let’s back it up a little. Medigap plans, in general, cover the 20% that Medicare does not, while also paying for deductibles, copays, and coinsurance.
Each plan is standardized so Plan G, for example, will always provide the same core Medicare coverage no matter which company sells it.
That being said, companies can create their own variations of Medigap plans by offering ancillary benefits and calling it a slightly different name. This is exactly the case for Blue Cross Blue Shield’s Medigap G PLUS.
The important thing to know is that if you know you want Medigap Plan G, and think that you will use these added benefits, you should consider enrolling in plans like BCBSIL’s Medigap Plan G PLUS.
Your final decision should depend on how much the plan costs each month compared to standard G, but the extra benefits can often save you a lot of money. Get a quote for Medigap Plan G PLUS in Illinois here.
What does Medigap G PLUS cover?
Below is a comparison between a standard Plan G offered by most insurance providers and Blue Cross Blue Shield’s Plan G PLUS. You will find conclusions at the end of the chart.
| Standard Medigap Plan G** | Medigap Plan G PLUS | |
|---|---|---|
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Price will display on this page. Estimated price is based on non-smoking applicants and include a discount for autopay. |
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| Enrollment | Call to Enroll 800-930-7956 |
Call to Enroll 800-930-7956 |
| Insurance Provider | Multiple Companies offer Plan G | Only Blue Cross Blue Shield of IL |
| Doctor Network | All Doctors that accept Medicare | All Doctors that accept Medicare |
| Part A Hospital Benefit Period Deductible | You pay $0 | You pay $0 |
| Hospital days Coinsurance | You pay $0 | You pay $0 |
| Skilled Nursing Facility Coinsurance | You pay $0 | You pay $0 |
| First 3 Pints of Blood | You pay $0 | You pay $0 |
| Part B Annual Deductible | You pay $240 | You pay $240 |
| Part B Copays/Coinsurance | You pay $0 after Part B deductible | You pay $0 after Part B deductible |
| Part B Excess Charges | You pay $0 after Part B deductible | You pay $0 after Part B deductible |
| Foreign Travel Emergency | You pay 20% | You pay 20% |
| Vision* | ||
| Routine Eye Exam (every 12 months) | Usually not included | You pay $0 |
| Eye Glasses or Contacts | Usually Not included | $130 allowance |
| Hearing* | ||
| Hearing Exam (every 12 months) | Usually not included | You pay $0 |
| Advanced Hearing Aid Member Fee with recharge | Usually not included | $699/per aid |
| Premium Hearing Aid Member Fee with recharge | Usually not included | $999/per aid |
| Dental* | ||
| 2 Cleanings per calendar year | Usually not included | You pay $0 |
| Two Oral Exams per calendar year | Usually not included | You pay $0 |
| 1 Dental X-Ray per calendar year | Usually not included | You pay $0 |
| 1 Oral Cancer Screening per calendar year | Usually Not included | You pay $0 |
| Unlimited Extractions per calendar year | Usually not included | You pay 25% |
| 1 Restorative Filling per tooth per calendar year | Usually not included | You pay 50% |
| Other Benefits | ||
| Gym | Varies by Provider | Yes |
| Household Discount | Varies by provider | 7% |
*Your price may be higher if you go outside the dental, vision, or hearing network
**The standard Medigap Plan G is listed here to help you compare with Blue Cross Blue Shield of Illinois Plan G PLUS. While all Medigap Plan Gs are standardized, there can be slight differences in ancillary benefits such as gym membership etc. Contact us if you want to compare BCBSIL’s Plan G PLUS with a specific insurance provider’s standard Medigap G.
A few things should be clear when reviewing the chart above:
- The only Medicare core benefit not offered by either plan is the Part B Deductible coverage
- Medigap G PLUS covers everything that a standard Plan G does, and more
- Medigap G PLUS provides additional hearing, vision, and dental benefits
Next Steps
You can get a quote below or call us at 800-930-7956 to ask questions and enroll.
Remember we never charge for our services and no one can offer Medigap Plan G PLUS for less than we can.
