Does medicare supplement plan g cover part b deductible

Summary:

Table of Contents Show

Frequently asked questions
What is Medicare Supplement Insurance Plan G?
What is the deductible for Medicare Supplement Insurance Plan G in 2022?
What does Medicare Supplement Insurance Plan G cover?
What’s the difference between Medicare Supplement Insurance Plan F and Plan G?
What Does Medigap Plan G Offer?
Get Started Now

Medicare Supplement Insurance Plan G offers more basic benefits than most Medicare Supplement insurance plans. Plan G may pay some of your Original Medicare (Part A and Part B) costs – keep reading to learn more.

Is it Medicare Part G or Medicare Plan G?

It’s neither one of those! There’s no Medicare Part G (there’s Medicare Part A, Part B, Part C, and Part D). And there’s no Medicare Plan G. But there’s Medicare Supplement Insurance Plan G, and we’ll tell you all about it.

What is Medicare Supplement?

Medicare Supplement insurance is optional coverage you may be able to buy to work alongside your Original Medicare coverage. Original Medicare includes Part A (hospital insurance) and Part B (medical insurance).

Medicare Supplement (also called Medigap) insurance plans are standardized in most states. They are named with letters, like Plan G. Every plan of the same name has the same basic benefits.

For example, although many different insurance companies sell Medicare Supplement Insurance Plan G in many states, every Plan G has the same set of basic benefits. That’s true of the other plans, like Medicare Supplement Insurance Plan A, Plan B, and so on.

Frequently asked questions

What is Medicare Supplement Insurance Plan G?

Medicare Supplement Insurance Plan G is the name of a standard Medicare Supplement insurance plan. They’re named with letters, like Plan G, Plan A, and so on. Plan G is one of the most comprehensive Medicare Supplement insurance plans.

What is the deductible for Medicare Supplement Insurance Plan G in 2022?

Medicare Supplement Insurance Plan G generally doesn’t have a deductible. However, Plan G also has a high-deductible version. Under the high-deductible plan, you’d need to pay this deductible before the plan started paying your Original Medicare costs. In 2022,$2,490

Your Medicare Part A and Part B deductibles are separate. Plan G may pay your Medicare Part A deductible, but not your Part B deductible.

What does Medicare Supplement Insurance Plan G cover?

Medicare Supplement Insurance Plan G generally covers:

Hospital inpatient costs for up to a year after your Medicare coverage runs out
Medicare Part B coinsurance/copays
First 3 pints of blood if needed for a procedure

All standard Medicare Supplement insurance plans generally cover those benefits. Part G typically also covers:

The Medicare Part A deductible
Skilled nursing facility care coinsurance
Medicare Part B excess charges*
Emergency care outside the U.S. – 80% up to plan limits

*If you have Original Medicare, and the amount a doctor or other health care provider is legally permitted to charge is higher than the Medicare-approved amount, the difference is called the excess charge.

What’s the difference between Medicare Supplement Insurance Plan F and Plan G?

Medicare Supplement Insurance Plan F is another plan with greater coverage than most standard Medicare Supplement insurance plans.

The difference between Medicare Supplement Insurance Plans F and G is that Plan F may cover the Medicare Part B deductible, while Plan G doesn’t. But Plan F is being phased out. It’s not available to you if you became eligible for Medicare after January 1, 2020.

WebMD
Connect to Care
Medicare

WebMD Connect to Care helps you find services to manage your health. When you purchase any of these services, WebMD may receive a fee. WebMD does not endorse any product, service or treatment referred to on this page. X

Medigap Plan G offers more coverage than most other Medigap plans. Learn whether this Medicare Supplement policy is right for you.

Original Medicare (Parts A and B) covers many different services, including hospital stays and doctor’s visits. But the cost of deductibles, coinsurance, and copays can still be high. Medigap policies, also known as Medicare Supplement, help fill in these coverage gaps—and sometimes offer additional services as well. Medigap Plan G offers a wider range of coverage than all Medigap plans except for Medigap Plan F.

What Does Medigap Plan G Offer?

Original Medicare, which covers hospital care, doctor’s visits, and related services, does not cover all care, according to the Centers for Medicare and Medicaid Services. You’ll still have a deductible, and may have copays or coinsurance fees.

Original Medicare also excludes coverage for certain services—such as routine dental care, hearing aids, and medically-unnecessary cosmetic procedures. Depending on the cost of your care, you could end up with large copays that eat into your budget, or a deductible that makes it hard for you to cover your care out-of-pocket.

Medigap supplemental insurance covers the cost of Original Medicare deductibles, coinsurance, and copays. It may also cover a range of services excluded from Original Medicare coverage. Medigap Plan G is also available in some states as a high-deductible plan.

The specific additional benefits Medigap Plan G offers include:

Coverage for an additional 365 days of hospital care after Original Medicare benefits are exhausted, as well as coverage for hospital coinsurance and deductible
Coverage for Medicare Part B coinsurance and copays
Coverage for the first three pints of a blood transfusion
Medicare Part A’s hospice copayment or coinsurance
Medicare Part A deductible, but not Part B deductible
Up to 80% of foreign travel exchange
Care in a skilled nursing facility

Medigap Plan G does not cover dental care, or other services excluded from Original Medicare coverage like cosmetic procedures or acupuncture. Some Medicare Advantage policies may cover these services.

Like Medigap, Medicare Advantage is private insurance. Unlike Medigap, it is a substitute for Original Medicare, and covers Medicare Part A and Part B needs. People with a Medicare Advantage plan cannot buy Medigap insurance unless they switch to an Original Medicare plan.