Medicare Supplement Plan G in Kansas is the fastest growing Medicare Supplement Plan.
It is a high-level option for a Medicare beneficiary needing help covering medical expenses like coinsurance, copayments, durable medical equipment, and other out of pocket expenses.
Medicare Supplement Plan G in Kansas provides optimal benefits to seniors turning 65 after January 1, 2020.
It covers all gaps in Original Medicare (Medicare A and Part B) except the Part B deductible.
You will be able to keep your Medicare Supplement insurance plan active as long as you continue to pay your Medicare Part B premium monthly.
Beginning in 2020, Medicare Part G has replaced Medicare Part F in enrollment numbers.
- Original Medicare: In 2021, 545,781 Kansas residents were enrolled in Medicare
- Medicare Advantage Plan – At least 116,505 (27%)
- Medigap Plan – Over 224,000 chose Medicare Supplement Plans (45%)
- Of the Kansas residents who purchased Medigap Plans, at least 129,920 chose Medicare Supplement Plan G (58%)
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 Kansas.
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
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 Kansas.
What is the Plan G Deductible in 2021?
There is no deductible for Plan G, but you must pay the Part B deductible which is $203 in 2021.
What is the Monthly Premium for Medicare Supplement Plan G in Kansas?
Unlike the fixed rate of the Medicare Part B premium, Medicare Plan G rates are variable.
To get an idea on Medicare Plan G rates, consider the case of a 65 year old, non-smoking female who lives in the 66606 zip code area.
The cost of the monthly premium for Medicare Supplement insurance Plan G in Kansas in 2021 ranges from $119.99 to $163.22, with an average cost of $140.
Three ways insurance companies determine Medicare Supplement Plan G rates include:
- Community rated or ‘no-age-rated’ premiums: The rate is not influenced by age
- Issue-age-rated or ‘entry-age-rated’ premiums are determined by the person’s age when buying the policy (The sooner you buy, the lower the premium)
- Attained-age-rated premiums are based on advancing age – premiums increase as age goes up
When can I enroll in Medicare Supplement Plan G?
Initial Enrollment Period:
The best time to enroll in Medicare Supplement insurance Plan G in Kansas is during your 6-month Initial Enrollment Period (IEP).
This is a 6-month period that begins 3 months before your 65th birthday and ends 3 months after.
You can enroll in any Medigap plan of your choice, even if you have a pre-existing condition.
Keep in mind that the annual Open Enrollment Period (OEP) does not apply to Medicare Supplement Plans.
The OEP is for people enrolling in Part D prescription drug coverage and Medicare Advantage plans.
Other Guaranteed Issue Rights may apply in the following situations:
- Retiring from an employer-based group coverage
- Losing a Medicare Advantage Plan
- Deciding to change from a Medicare Advantage Plan back to Original Medicare within 12 months of enrolling in the Medicare Advantage plan
In these situations, insurance companies are required to:
- Sell you a Medicare Supplement policy
- Cover all pre-existing conditions
- Not charge more for the Medigap policy based on past or present health problems
What Is the Difference Between Plan G and Plan G With a High Deductible?
Medigap Plan G has the best benefits if you become a Medicare beneficiary after January 1, 2020.
To give you some plan options, one alternative to regular Medicare Plan G is high deductible (HD) plan G. The high deductible plan offers all the same benefits provided by Plan G coverage.
With HD Medicare Plan G, a yearly deductible must be met in out of pocket costs before Medicare begins to pay. In 2021, the deductible amount is $2,370.
The added up-front expense is likely to be offset by lower premiums. It pays to compare the plans in your service area before making a choice.
The Benefits you will receive with Medicare Plan G and HD Medicare Plan G include:
- Part A Hospice Care copays or coinsurance
- Medicare Part B coinsurance or copayment
- First 3 pints of blood for transfusion
- Medicare Part A coinsurance and hospital costs up to 365 additional days after Medicare benefits expire
- Durable Medical Equipment(DME)
- Coinsurance for skilled nursing facility (SNF) care
- Part B Excess charges
- Foreign travel emergency (Up to plan limits) (Typically, up to $50,000 in foreign travel emergency benefits)
What is the Best Medicare Supplement Plan G in Kansas?
Plan G is standardized, meaning that all Medicare Supplement insurance companies will provide the same benefits under Plan G.
The ten standardized Medigap plans are: Plan A, B, C, D, F, G, K, L, M, and N. Unlike Original Medicare, which is a Federal Medicare Program, Medigap plans are provided by private insurance companies.
The price is not standardized and will differ by health insurance company. Call your insurance agency and ask a Medicare agent for Medicare Supplement plan quotes.
Before you buy a Medicare Supplement insurance Plan G in Kansas, here is what you need to know:
1. Customer Service: Know who you will contact when help is needed.
2. Size Matters: Select a company with long-term stability.
3. Confirm the company’s financial strength, their assets, and ability to pay claims.
Our Company Recommendations:
We can potentially offer any insurer. Based on the above standard, these 3 companies would be our top choices.
Aetna: With 160 years in business, Aetna has an A+ rating with the Better Business Bureau and an overall 4-star customer service rating.
Mutual of Omaha: Since 1909, Mutual of Omaha has maintained a high customer service rating. Its overall customer satisfaction rating is 4.5 stars.
Cigna: This trustworthy insurance company enjoys an A+ rating with the Better Business Bureau and a 2.5 star rating with Top Consumer Reviews.
Which is better, Plan F or Plan G?
How are Plan F and Plan G Different?
Plan F is a comprehensive Medicare plan that covers everything. It had long been the most popular Medigap plan until January 1, 2020 when Medicare regulations ruled out Medicare supplement insurance plans paying the yearly Part B deductible.
Medicare Plan F was discontinued as a choice for new Medicare enrollees after that date.
Medicare Plan G was created to cover almost all medical services covered under Medicare Plan F. The yearly Part B deductible is the only thing Plan F covered that Plan G does not.
When choosing Medicare Supplement insurance, understand that the money saved in lower premiums may more than make up for not having the Part B deductible paid.
Is Plan G Cheaper than Plan F in Kansas?
This will depend on the Part B deductible cost. The current Part B deductible cost is $203. So if Plan G will save you that amount, then Plan G will be cheaper than Plan F.
Which should I choose?
If you were with Medicare prior to January 1st, 2020, you can continue to choose either plan. If you are new to Medicare after January 1st, 2020, Medicare Plan G will be offered the highest benefit level.
What is the Most Popular Medicare Supplement Plan in Kansas for 2021?
Medicare Supplement Plan G in Kansas is definitely the most popular Medicare Supplement plan today. Five reasons for its popularity are listed below.
- Medicare Supplement insurance Plan G in Kansas offers the most comprehensive coverage for people new to Medicare eligibility
- Comparison of cost of plan vs benefits received reveals great value coverage
- Access to any doctor in the United States who accepts Medicare (No Network limits)
- Covers the 20% of medical expenses after Original Medicare pays the approved amount. All the gaps to Original Medicare are covered apart from the yearly Medicare Part B deductible
- Guaranteed Acceptance Coverage: If you enroll during your Initial Enrollment Period (IEP), you will not be subject to underwriting; Your acceptance is guaranteed
Frequently Asked Questions about Medigap Plan G
Full Medicare Supplement Plan G Benefits Chart
Does Plan G cover prescription drugs?
Plan G does not cover prescription drugs. Your insurance agent can sell you a Medicare Part D prescription drug plan separately.
Does Plan G cover the Medicare Part B Deductible?
Plan G does not cover the deductible for Medicare Part B.
Does Plan G cover Medicare Part B Excess Charges?
Yes, Medicare Supplement Plan G covers Part B excess charges.
Does Plan G cover the Medicare Part A Deductible?
Plan G does cover the Medicare Part A deductible.
Is Plan G worth it?
Medigap Plan G has proven to be well worth its cost. It covers all the gaps in Original Medicare (Medicare Part A and Part B) except for the Part B yearly deductible. Lower premiums than Plan F offered can more than make up the difference.
What is the difference between Plan G and N in Kansas?
The benefits of Medigap Plan G and Plan N are slightly different.
- Medigap Plan G covers Part B Excess charges and Plan N does not
- Plan N has ER and office visits copays, Plan G does not
What is Medicare Part G?
Medicare “Part G” is commonly misunderstood for Medicare Supplement Plan G which is the most popular Medicare Supplement plan available to people becoming eligible for Medicare after January 1, 2020. “Part G” however does not exist.
Does Plan G cover Silver Sneakers?
Standard benefits do not include SilverSneakers, some companies will offer it in there plans.
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.