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What is Medicare Supplement Plan G in Pennsylvania?

Medicare Supplement Plan G in Pennsylvania is one of the 10 standardized Medicare Supplement plans offered to Medicare beneficiaries. Medicare Supplement plan G is now among the most popular plans because of its rich coverage and affordability.

What is Medicare Supplement Plan G in Pennsylvania?

Medicare Supplement plan G in Pennsylvania covers all of Medicare Part A coinsurance copays, and deductibles, as well as all of Medicare Part B Coinsurance and copays. The only out of pocket expenses to you will be the Part B deductible amount. See Medicare Part A and Part B below for Medicare Supplement plan G in Pennsylvania.

Part A Medicare Benefits:

  • Hospital medical expenses and coinsurance up to one year (365 days) after exhaustion of original Medicare benefits
  • Coinsurance or copayment for hospice care
  • Deductible

Part B Medicare Benefits:

  • Coinsurance for preventative care/durable medical equipment
  • Copaymens
  • Excess charges

Medicare Supplement plan G also covers medical services at a skilled nursing facility (SNF), emergency medical care for limited foreign travel (up to 50 000 in foreign travel emergency benefits), and the first three pints of blood if needed for a medical procedure.

Medicare Supplement insurance Plan G in Pennsylvania is quickly becoming the most popular Supplement Plan of the ten standardized Medicare Supplement policies (A, B, C, D, F, G, K, L, M, N). This plan has the highest benefit level offered to a Medicare beneficiary after January 1st of 2021. Aside from the small deductible of Medicare Part B, Medigap Plan G fills in all the gaps for the original Medicare.

Enrollment Statistics:

The number enrolled in Medigap Plan G in Pennsylvania: 111,214

The number enrolled in Medicare Supplement plans as a whole: 700,155

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 Pennsylvania.

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

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 Pennsylvania

What is the Plan G deductible in 2021?

Outside your monthly premium, you are only responsible for the Part B $203 deductible.

What is the Monthly Premium for Medicare Supplement Plan G in Pennsylvania?

For the Medicare Supplement, the average cost will depend on how health insurance companies (the insurer) price the plans for that service area. Pricing is based on the following:

  • Community-Rated: Premiums are priced for everyone and not based on age.
  • Issue Age: A monthly premium is based on the age when policy was purchased.
  • Attained Age: These are premiums that will increase with age.

For a 65-year-old female, nonsmoker for Medicare Supplement insurance Plan G in Pennsylvania (zip code 15037/Alleghany), the monthly premium for an insurance plan will cost:

Monthly Medicare Plan G rates:$125-$182

Monthly High Deductible Plan G rates: $50

When can I enroll in Medicare Supplement Plan G?

The best time to enroll in a Medigap policy is within the six-month Medigap Open Enrollment period. During this time you will have better pricing and choices.

During open enrollment, health insurance providers for Medicare Supplement insurance Plan G in Pennsylvania are usually allowed to use medical underwriting to decide whether to accept an application.

However, even if you have health issues, you can buy a policy from the company during open enrollment for the same price as someone who is healthy.

65 or older:Open enrollment begins when enrolled in Part B and can’t be changed or repeated.

Turning 65:In the six-month period that starts on the first day of the month, you are turning 65 or older, and you being enrolled in Part B gives you eligibility.

Under 65:If you’re under 65, you might not be eligible for Medicare until you turn 65. Some states, however, require that Medigap insurance companies sell them even if you’re under 65. If buying one is possible, it may cost more.

Enrollment periods do not apply to Medicare supplement plans, only Medicare Advantage and Part D plans. Aging into the Federal Medicare Program, retiring from group coverage, losing a Medicare advantage plan, etc., also require enrollment periods.

What Is the Difference Between Plan G and Plan G With a High Deductible?

In order for the coverage to kick in at 100%, a higher deductible is required. The higher deductible allows for lower Medicare Supplement Plan G rates per month.

What is the Best Medicare Supplement Plan G in Pennsylvania?

Plan G is standardized. What this means is that Plan G is the same no matter which Medicare Supplement insurance companies offer it. The only difference is the price. When shopping, see the following to help you choose the company that is right for you.

Customer Service:It is important that you know who you are calling when you need help. Are they knowledgeable? Read reviews to see what others have experienced with the insurance agency.

Size Matters:Choose a company that has shown long-term stability.

A Company’s Financial Strength: A company should have the assets and ability to pay your claim.

Our Company Recommendations

We can offer you various companies; however, based on the above criteria, we prefer the following four companies for Medicare Supplement insurance Plan G coverage:

  • Aetna – 4.0
  • Mutual of Omaha [could not find their rating]
  • Cigna – 4.5
  • Florida Blue Cross Blue Shields (Florida Residents Only) – newly accredited no rating avaialble

*Ratings are obtained from the NCQA for 2019-2020 [2020-2021 ratings canceled bc COVID]

Which is better, Plan F or Plan G?

How are Plan F and Plan G Different?

As mentioned above, when you compare the two, the only difference between the plan options is that Medigap Plan G will require you to pay the approved amount for the Part B deductible.

Oftentimes the savings in monthly premium outweighs the cost of the Part B deductible required by Medigap Plan G. We suggest doing the math so you can see the comparison for yourself when obtaining Medicare Supplement plan quotes.

Is Plan G Cheaper than Plan F in Pennsylvania?

This will depend on the Part B deductible cost. The current Part B deductible cost is $203. So if a Medicare Plan G will save you that amount, then Plan G will be cheaper than Plan F.

Which should I choose?

For those new to Medicare prior to January 1st, 2020, you will continue to have the choice of either plan.

For those new to Medicare after January 1st, 2020, Medicare Plan G will be the highest level of benefit that is available by a Medicare Supplement Plan.

What is the Most Popular Medicare Supplement Plan in Pennsylvania for 2021?

Medicare Supplement insurance Plan G in Pennsylvania is the most popular plan being purchased for those who are brand new to Medicare Plan G. Here’s why:

Five reasons why Medicare Plan G is the most popular:

1. Medicare Plan G is the best level of coverage available for those new to Medicare.

2. Medicare Part G is a great value when comparing benefits received vs. the cost of the plan.

3. There is no network limitation with Medicare Part G – there is access to any doctor in the country that accepts Medicare. Plan G will also Pay the Medicare Part B Excess Charges if the doctor does not accept the Medicare assignment.

4. Medicare Plan G is the most predictable because it fills in all gaps to original Medicare apart from the annual Medicare Part B deductible

5. There is guaranteed acceptance coverage – like all Medicare Supplement insurance, you enroll during the Initial Enrollment Period when you are new to Medicare, there are no health questions required for acceptance

Frequently asked question about Medigap Plan G:

Full Medicare Supplement Plan G Benefits Chart

Does Plan G cover prescription drugs?

Plan G will cover the coinsurance on all Part Be medications. Plan G does not offer outpatient retail prescription drug coverage that is usually covered by Medicare Part D drug plan.

Does Plan G cover the Medicare Part B deductible?

The Medicare Part B Premium is not covered and is the only out of pocket costs. The deductible for 2021 is $203.

Does Plan G cover Medicare Part B excess charges?

Yes. Plan G will cover 100% of excess charges

Does Plan G cover the Medicare Part A Deductible?

Yes. Plan G does cover the Part A deductible.

Is Plan G worth it?

Plan G is worth it because it offers the highest benefit level to those new to Medicare after January 1st of 2021.

What is the difference between plan G & N in Pennsylvania?

Plan N does not cover excess charges or copayments like the Medicare Supplement insurance Plan G in Pennsylvania.

Does Plan G cover dental?

No. Medicare and Medigap plans do not cover routine dental care.

What is Medicare Part G?

It is a plan that has the most comprehensive benefits, minus the Part B deductible.

Does Plan G cover SilverSneakers?

Some Medicare Supplement insurance plans include the Silver Sneakers program because you are enrolled in Medicare. You will need to contact your insurance agent and ask them if their plan limits this coverage.

Related Topics

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.

Key Take Aways
  • Medicare Supplement Plan G in Pennsylvania is one of the 10 standardized Medicare Supplement plans.
  • Plan G does not use a provider network, go anywhere Original Medicare is accepted.
  • Aetna, Cigna & Mutual of Omaha are top providers for Plan G in Pennsylvania.
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