Medigap Plan G is an additional insurance product that helps pay for the majority of “gaps” left in Original Medicare’s coverage. Plan G is currently Senior65’s most popular Medigap plan in terms of enrollment, but what exactly does it cover?
What does Medigap G Cover?
Medigap Plan G covers all of the coinsurance required by Original Medicare. These are the “gaps” that Medicare expects patients to pay. For example, Medicare often will only pay for 80% of a procedure and require patients to pay the remaining 20% in the form of coinsurance. A Medigap G will pay that 20% coinsurance to “fill in the gap” not covered by Medicare.
Medicare also requires deductibles for hospital visits. In 2022 Medicare requires patients to pay $1,556 every time they go to the hospital after a 60-day period. Medigap Plan G will pay this deductible no matter which insurance company you enroll with.
Plan G also pays for some additional benefits not covered by Medicare such as an additional 365 hospital days, Part B excess charges (when doctors legally charge up to 15% more than Medicare’s assignment rate), and foreign travel emergency healthcare.
Here is a more in-depth overview of what Medigap Plan G covers:
|Benefits||Original Medicare Costs||Medigap Plan G (Supplemental)|
|Doctor and Hospital Network||Nationwide network of doctors and hospitals that accept Medicare assignment||Nationwide network of doctors and hospitals that accept Medicare assignment|
|Part A Hospital Deductible||$1,556 for each 60-day benefit period*||You Pay $0|
|Hospital Days 60-90||$389 per day||You Pay $0|
|Hospital Lifetime Reserve Days After Day 90||$778 per day (max of 60 days)||You Pay $0 PLUS get an extra 365 days|
|First 3 Pints of Blood for a Transfusion||100%||You Pay $0|
|Medicare Part B Deductible||$233||You Pay $233|
|Medicare Part B Copays/Coinsurance||20%||You Pay $0|
|Medicare Part B Excess Charges||100%||You Pay $0|
|Foreign Emergency Healthcare||100%||You Pay 20% (max coverage $50k)|
A recent change in policy allows Medicare Part B to cover some acupuncture and chiropractic care so Medigap Plan G covers acupuncture and chiropractice coinsurance too!
What doesn’t Medigap G cover?
Medigap Plan G doesn’t cover the following benefits.
What is Medigap Plan G Innovative, Inspire, Plus and Extra?
Medigap Plans in a few states can add additional coverage such as hearing and vision benefits. A few of these states: California, Nevada, and Illinois.
California Medigap offers 3 plans with additional benefits: Medigap G Innovative, Inspire, and Extra. They cover everything that Plan G covers and may include vision, hearing, and even a AAA membership.
If you’re ready to enroll in a Medigap plan, call one of our Senior65 licensed agents at 800-930-7956. Our agents can NEVER charge a fee to get you a quote or enroll you in a plan.