Medicare Supplement Plan G Overview

Find Affordable Medicare Plan G rates in your area

Medicare Supplement plan G is one of the standardized Medicare Supplement plans that you can purchase in most states to help close financial gaps for those things that Original Medicare won’t adequately cover. You can refer to a simple chart on the Medicare.gov site that compares various supplements to make them reasonably easy to understand.

Even though plan F has been the most popular supplement for years, the rate of people who choose Medicare plan G has been increasing fast and pays everything that the government allows Medicare Supplement plans to pay for, so many beneficiaries would rather just buy a plan that frees them from most out-of-pocket expenses.

These two supplements are almost identical, but Medicare Supplement plan G doesn’t pay for the Part B deductible. Many savvy individuals have figured out that the difference in cost between the two plans is greater than the annual deductible. This won’t be true for everybody, but it’s a good idea to compare personalized quotes to see if it’s right for you. We would never advise you to pay more for a policy than for the service that it might help you pay for.

Medicare Supplement Plan G Benefits

Plan G helps pay for all of these Part A costs: 

  • Part A hospital, skilled nursing, and hospice coinsurance and copays
  • Initial pints of blood
  • Part A deductible

Medicare Supplement plan G benefits also pay these Part B costs:

  • Charges over the amount Medicare allows
  • Foreign-travel urgent care
  • Part B co-pays and coinsurance

Every year, Medicare recipients have to pay an annual deductible before Part B begins to pay for medical services. In 2018, this yearly deductible expense was $183. Plan F costs more than Plan G just because it also pays for this deductible.

However, if you find that you can save more than $183 a year, or about $15 a month, by purchasing Plan G, you could save money with the cheaper plan. Very often, the difference in price ranges from $30 to $40 a month, so this tip often helps people save money. The only thing to consider is that it’s not possible to predict what this deductible may be in the future.

Does Medicare Supplement Plan G Require you to Use a Network?

  • No. You can use any doctor in the United States that accept Original Medicare
  • No referrals required
  • You want the freedom of no network
  • Change doctors anytime
  • Use any hospital or facility that allows Original Medicare

Who Buys Medicare Plan G?

  • People who travel often
  • Individuals who do not want high out of pocket cost
  • Enjoy the freedom to see any doctor
  • Prefer richer coverage

Here’s another tip to help you get the best Medicare Supplement Plan G rates:

You will have a Guaranteed Enrollment Period when you first take Part A and B. This is typically right when you turn 65 and for a few months afterward. Of course, some insurers will even let you apply in advance, so you can be sure that you have Medicare Supplement insurance in place right at the start.

If you decide you want Medicare Supplement plan G at another time, you will most likely have to answer health questions to qualify.

We can help you decide plan G or another option would be better for you.

How Much Does a Medicare Plan G Cost?

Your premiums may vary because of your hometown, your gender, your age, and sometimes, your health and health habits.

Note: In order to give you an idea if Medicare Plan G will work for you, we have pulled some sample quotes of the best prices in selected areas. These are only samples that were accurate at the time of publication and are unlikely to be the same as your customized quotes.

These sample monthly prices for Plan G from top-rated insurers are for a 65-year-old woman who doesn’t smoke and lives in a selected metro area of these three states:

  • Florida: $125.00 to $250.00

Prices can vary significantly by Zip code and even by the insurance company. At the same time, the base benefits that you get from your supplement policy remain the same. This makes shopping for the best Medicare Supplement plan G a bit easier than shopping for some other kinds of insurance. Of course, we are also here to help you.

What Are Some of the Best Medicare Supplement Plan G Companies?

You may have a handful of quality Medicare Supplement companies that compete for business in your area. Again, you are free to check Medicare Supplement plan G rates to find out which insurer is most competitive.

Our suggestions may depend on where you live and other factors. At the same time, we often suggest these providers of Medicare Supplemental plan G:

Do Medicare Supplement Plan G Rates Ever Increase?

There have even been cases where rates have also decreased. Of course, in response to rising medical costs, your insurer might increase rates from time to time. But historically, Plan G has been more stable than other plans because you are willing to pay the Part B deductible.

You Can Get Medicare Supplement Plan G Rates Online

Instead of directly asking for quotes from one insurer or another, we suggest that you make use of our online quote form to obtain competitive quotes from a handful of top insurers in your local area. It takes seconds to use, and you can begin without having to enter personal information.

We will work to understand your situation and preferences. Then we will suggest a policy that provides you with good benefits and an affordable premium.

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