If you’re looking for the most popular Medigap plan, look no further than Medicare Supplement Plan G in Arizona. It adds to the benefits offered by the federal Medicare program and eliminates out of pocket costs like coinsurance and copayments. You pay one monthly premium to cover a variety of medical expenses with Medicare Supplement Plan G in Arizona.
What is Medicare Supplement Plan G in Arizona?
Medicare Supplement insurance is designed to extend the benefits received by Medicare Part A and Part B. Instead of replacing Original Medicare like a Medicare Advantage plan, it works as an enhancement to eliminate out of pocket expenses like Medicare Part A coinsurance and Medicare Part B coinsurance.
Here are some quick facts about Medicare Supplement insurance Plan G in Arizona:
- Plan G is the most comprehensive Medicare Supplement plan for beneficiaries who are ineligible for Plan F.
- Medigap Plan G benefits are utilized after Original Medicare pays up to plan limits. The only out of pocket expense not covered is the Medicare Part B deductible.
- Once you’re eligible for Medicare, you’re eligible to apply for a Plan G policy.
- A Medicare-approved insurance agency can enroll you in the plan.
- Coverage includes foreign travel emergency care up to an approved amount and benefits for medical equipment.
- Medicare.gov is an excellent resource if you want to learn more about having your medical services covered by a supplemental plan.
What Does Medicare Supplement Plan G Cover?
Original Medicare pays for a lot when it comes to your healthcare. On top of the Medicare-approved amounts that are covered by the Federal Medicare program in the United States, you can enjoy having these additional Medicare benefits covered if you sign up for Medicare Supplement Plan G in Arizona.
But here’s what Medigap Plan G will cover:
· Initial pints of blood
· Medicare Part A deductible
· Medicare Part A hospital costs
· Part A expenses
· Part A hospice care coinsurance
· Skilled nursing facility care
Medicare Supplement Insurance plan G benefits also pay these Medicare Part B costs:
· Charges over the amount Medicare allows – “Part B Excess Charges”
· Durable medical equipment
· Foreign travel emergency care (lifetime plan limits apply)
· Medicare Part B coinsurance and copays
Be advised that the Part B deductible will not be covered by Medigap Plan G in Arizona.
What is the Plan G Deductible in 2021?
Medicare Supplement insurance Plan G in Arizona doesn’t come with a deductible. The only exception is the high deductible plan. You are, however, responsible for paying the Medicare Part B deductible which is $203 in 2021.
What is the Monthly Premium for Medicare Supplement Plan G in Arizona?
Medicare Plan G covers all of your Medicare out of pocket expenses except the Medicare Part B premium and deductible. It also covers up to $50,000 in foreign travel emergency benefits. What you pay for those benefits depends on your location, age, and a few other personal factors.
To illustrate, we generated Medicare Supplement plan quotes for a 65-year-old woman who doesn’t smoke and lives in Arizona zip code 85001. Here are the results of our comparison for Plan G coverage:
- Monthly Premium Range – $105.98 – $229.17
- Average Monthly Premium – $135
There are three ways that Medicare insurance companies can determine rates for Medicare Supplement insurance Plan G in Arizona:
- Community-Rated – All beneficiaries enrolled in a plan receive the same rate. Age doesn’t matter.
- Issue Age – Your rate is determined by your age when the policy is issued.
- Attained Age – Your rate is based on age and changes as you get older.
When can I enroll in Medicare Supplement Plan G?
You have three options when enrolling in Medicare Supplement insurance Plan G in Arizona:
1. Enroll during your Open Enrollment Period.
This period starts the first day of the month that you are 65 years old and sign up for Medicare Part B. Your eligibility lasts for six months. During this period, you will receive the following guaranteed issue rights:
- The insurer must accept your application for coverage.
- The insurance company cannot use medical underwriting to determine your rate. Your pre-existing conditions are not factored into your rate.
- The insurer cannot cancel your policy as long as you remain within the service area and pay your monthly premiums on time.
You will receive the lowest Medicare Supplement Plan G rates during this period.
2. Enroll during a special open enrollment period.
You may qualify for a special period with guaranteed issue rights after your Open Enrollment Period has ended. For example, you may qualify if you lose employer benefits that stopped you from enrolling in Medigap during your initial enrollment period.
3. Apply for Medigap Plan G whenever you want.
Even if your Open Enrollment Period has passed, you can still apply for coverage. The catch is that the insurance company has the right to use medical underwriting to determine your rate and may deny you coverage.
What about the Medicare Annual Open Enrollment Period? It doesn’t apply to Medigap policies. It only applies to Medicare Part D prescription drug plans and Medicare Advantage plans.
What Is the Difference Between Plan G and Plan G With a High Deductible?
The high deductible plan requires you to pay the full deductible amount each year before utilizing plan benefits. The deductible is met by paying out of pocket for medical service. Once the deductible is paid out of pocket, you receive the same coverage as the standard plan.
What is the Best Medicare Supplement Plan G in Arizona?
Medicare Supplement insurance companies cannot alter the Medicare benefits offered through Medigap Plan G. You will receive the same coverage regardless of your insurer. The insurance companies compete only in rates.
There are three criteria that your chosen insurance agency should meet regardless of their prices.
- Financial Strength. Stable companies can pay all claims quickly and according to plan terms. They’re also less likely to go out of business or stop selling Medigap plans.
- Experience and Stability. Long-standing companies have proven track records for reliability and consistency.
- Excellence in Customer Care. Reputable insurance companies make it easy for customers to contact them with questions and concerns. They’re also responsive and respectful.
Considering those three criteria, there are a few Medicare insurance companies that we highly recommend for Arizona beneficiaries. We’re listing them below along with their A.M. Best ratings for your comparison.
- Mutual of Omaha – A+ (Superior)
- Cigna – A (Excellent)
- Aetna – A (Excellent)
Which is better, Plan F or Plan G?
How are Plan F and Plan G Different?
Medigap Plan F is the most comprehensive of all Medicare Supplement insurance plans because it covers all of Original Medicare’s gaps. Medigap Plan G offers almost the same coverage but doesn’t include the Medicare Part B deductible. Both plans offer some benefits not included in other Medigap plan options, like foreign travel medical care.
Is Plan G Cheaper than Plan F in Arizona?
Plan G is a bit cheaper than Plan F. You should compare rates for both plans if you’re eligible for Plan F, but keep in mind that Plan G requires you to pay the Part B deductible out of pocket each year. For many beneficiaries, Plan G is still the most affordable option.
Which should I choose?
Our Policy Guides can help you determine the best Medigap plan for your personal needs. In general, you should select the policy that best fits your healthcare needs and your budget. The more out of pocket expenses you eliminate, the easier it becomes to keep up with the costs.
If your Medicare Part B eligibility date is after January 1, 2020, it’s an easy decision. You aren’t qualified for Plan F, so Plan G is the next most compressive option.
What is the Most Popular Medicare Supplement Plan in Arizona for 2021?
Now that new Medicare beneficiaries are ineligible for Plan F, the most popular Medigap plan is Medicare Supplement Plan G in Arizona. A comparison of all 10 plan options may lead you to select Plan G for five reasons.
- If a Medicare beneficiary doesn’t qualify for Plan F, Plan G offers the most benefits. It even includes foreign travel medical care and Part B excess charges.
- The comprehensive coverage delivers excellent value for the rates in most areas.
- There are no network restrictions. Beneficiaries can visit any medical provider willing to accept Medicare.
- Beneficiaries can see their doctor as needed without worrying about copays and other out of pocket expenses.
- Beneficiaries are guaranteed acceptance without medical underwriting, assuming they apply during their Open Enrollment Period.
Frequently Asked Questions about Medigap Plan G
Full Medicare Supplement Plan G Benefits Chart
Does Plan G cover prescription drugs?
Medicare Plan G doesn’t include prescription drug coverage. Most beneficiaries sign up for a Medicare Part D drug plan when they sign up for Medicare Part A and Part B.
Does Plan G cover the Medicare Part B Deductible?
Medicare Supplement Plan G does not cover the deductible for Part B. That is the only out of pocket cost not covered by the plan.
Does Plan G cover Medicare Part B Excess Charges?
Medicare Supplement Plan G covers all Medicare Plan B excess charges. That’s what sets it apart from Plan N.
Does Plan G cover the Medicare Part A Deductible?
Medicare Plan G does cover the Medicare Part A deductible.
Is Plan G worth it?
Medicare Plan G is worth considering as long as the following statements apply to you:
- You prefer to pay one monthly premium than keep up with multiple out of pocket expenses.
- You can afford the Medicare Plan G rates offered in your area.
- You want to simplify your health insurance as much as possible.
- You’re interested in the most comprehensive supplemental policy available.
What is the difference between Plan G and N in Arizona?
The main difference between Medigap Plans G and N is coverage for Medicare Part B excess charges. Also, Plan N requires copays for doctor visits and Emergency room visits. The G insurance plan covers all excess charges. Plan N doesn’t cover any excess charges. That makes Medicare Supplement insurance Plan G in Arizona the most comprehensive option.
Does Plan G cover dental?
Medigap Plan G doesn’t include coverage for dental care.
What is Medicare Part G?
Medicare “parts” are sections of Original Medicare as put into place by the federal government. Since Medigap Plan G is a supplemental plan that was not a part of the original coverage, it is a plan rather than a part. Therefore, there is no Medicare Part G. The term “Medicare Part G” is still used by many sources online, but the intention is Medicare Plan G.
Does Plan G cover Silver Sneakers?
Medigap Plan G doesn’t include Silver Sneakers.
Ready to learn more?
My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.