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Medicare Part G Benefits

Medicare Part G is one of 10 Medicare Supplement Plans available to help you bridge the hole between what Original Medicare pays and what is your responsibility. These Medicare Supplement plans are named A through N. Plan G is the second-most popular Medicare Supplement insurance policy available.

What is Medicare Part G?

Plan G is the fastest-growing plan and is increasing in popularity every year. According to 2016 reviews by CSG Actuarial, 13 percent of seniors have Plan G as their Medicare Supplement insurance.

The outline of coverage under Medicare Part G is similar to F benefits, except that Plan G does not pay the Original Medicare Part B deductible. Plan G is becoming extremely sought after because often the amount you save on your rates is enough to pay the Part B deductible.

Medicare Part G Benefits of Coverage – Part A

Original Medicare Part A pays for part, but not all, of the expenses associated with inpatient hospital services. Medicare Part G covers the coinsurance and copayment amounts that you would otherwise be responsible for: Medicare Part G Benefits

  • Medicare Part A deductible
  • Part A coinsurance amount up to 365 days after your Part A benefits expire
  • Coinsurance for care in a skilled nursing facility
  • 100% of the cost of the first three pints of blood
  • 80 percent of the cost of emergency care in a foreign country

Medicare Part G Outline of Coverage – Part B

Original Medicare Part B pays for part, but not all, of the expenses associated with outpatient care. These expenses include doctor visits, emergency room visits, ambulance transportation, medical equipment and other medical services. Except for your Part B deductible, Plan G benefits cover the copayment and coinsurance amounts that you would be responsible for:

  • 100 percent of coinsurance and copayment amount after you pay your Part B deductible
  • 100 percent of excess charges (the excess charge is the difference between what your health care provider charges and what Original Medicare approves)
  • 80 percent of the cost of emergency care in a foreign country

It is important to realize that Medicare Part G does not pay your annual Part B deductible.

Does Medicare Part G Have A Network?

Like with Original Medicare, individuals who have Medicare Supplement insurance through Plan G can see any doctor or have services performed at any hospital throughout the country that accepts Medicare. You are not required to use a network of physicians or hospitals, and there is no restriction on when or how you get care. If you seek care from a doctor who does not participate in Medicare, Plan G pays 100 percent of the excess charges.

Who Typically Buys Medicare Part G?

If you fit one of the categories below, Plan G may be the best Medicare Supplement insurance policy available:

  • You travel a lot, internationally as well as nationally.
  • You want comprehensive coverage but are budget-conscious and do not want to overpay for benefits.
  • Do not want to deal with insurance claims.
  • You have an extensive medical history that requires a frequent doctor or hospital visits.

When Can I Purchase Medicare Part G?

To guarantee coverage under Plan G or any of the other Medicare Supplemental plans, you need to sign up during your primary enrollment period. The primary enrollment period starts the first day of the month in which you meet both of these conditions:

  • You are 65 years old.
  • You are enrolled in Medicare Part B.

During this open enrollment period, health insurance carriers must sell you a Medigap policy even if you have health conditions. If you sign up after your open enrollment ends, insurance carriers are allowed to use medical underwriting to evaluate your application. Based on the medical underwriting, you may have to pay a higher premium due to your health history. The insurance company may also reject your application entirely.

There are also a few special enrollment periods (SEPs) where you can enroll in Medicare Part G, and you are not subject to medical underwriting:

  • If you are covered under an MA Plan and that plan drops out of Medicare.
  • Discontinues its availability in your area or you move out of the plan’s service area.
  • If you have Original Medicare and a group health plan through your employer and that plan is ending.
  • You decide to switch to Original Medicare within the first year after joining an MA Plan.
  • If you lose your Medigap coverage through no fault of your own.

Regardless of the situation, never assume that you are ineligible for Plan G coverage or any other Medicare Supplement plans. We urge you to always discuss your situation with an agent who can advise you on your best options.

Medicare Part G Rates

Because premium rates for Medicare Plan G vary from company to company, it is important that you compare quotes between carriers. To give you an idea of how policy rates can differ based on the insurance carrier and geographic location, following are three examples of Plan G rates offered by top-rated companies. These online sample rates are for a 65-year-old female who is a nonsmoker.

Florida: Zip Code 33101
Premiums range from $100.00 to $175.00 a month

These insurance providers do not endorse or support us. The online quotes are illustrations of how Plan G policies can differ even within the same zip code area.

Medicare Part G Companies We Recommend

Having a Medicare Supplement insurance plan that satisfies your coinsurance, deductibles, and copayments leave you with a good feeling. Having an insurance company that you can trust leaves you feeling even better. Many insurance companies offer Medicare Plan G, but many of them are young companies that do not have the track record of a well-established insurance carrier. For that reason, we recommend you consider the following “preferred companies”:

  • Cigna
  • Aetna
  • Mutual of Omaha

We prefer working with these insurance carriers because they have a long history of stable rates and outstanding customer service. Their rates are some of the most competitive among top insurance carriers, and they have lots of experience providing quality products in the health insurance industry.

Will My Medicare Part G Rate Ever Change?

Insurance companies conduct annual reviews of the policies they offer, and there is no guarantee that after these reviews your premium rate will stay the same. Rising costs, inflation and other economic factors play a role in how insurance carriers set their premiums. We can shop your Medicare Part G rate from year to year to make sure that you are still getting the best deal on your policy.

You can also call us at (888) 414-4547, and we will help you find the best rates being offered in your location.

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