Medicare Plan G (Medicare Supplement Plan G) | GoMedigap

What Do I Need to Know About Plan G?

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Medigap Plan G

Medicare Plan G is one of the most popular Medicare Supplement plans. Many people favor it because it offers strong coverage while being cost effective. Below, we’ll detail everything that you need to know about Plan G.

What Does Medicare Supplement Plan G Cover?

Medicare Supplement Plan G

Medicare Supplement Plan G covers most of the out-of-pocket costs that Original Medicare leaves you open to, with one exception. With Plan G, you will need to pay your Medicare Part B deductible. The Part B deductible for 2019 is $185.

In their initial research phase, many people compare Plan G to Plan F, which covers the Part B deductible. However, the premiums for Plan G tend to be considerably less than that of Plan F. Because of this, many people find that even after they pay their deductible, Plan G is still the more cost-effective option.

Keep in mind: if you become eligible for Medicare in 2020 or later, you will not be able to get Plan F. This means that Plan G will be the plan with the most comprehensive coverage available to you. If you currently have a Plan F and are considering switching, we can help you evaluate your options.

Does It Matter Which Company I Select?

Medicare Supplement plans are completely standardized, so the benefits will be the same from company to company. All Medicare Supplement plans, including Plan G, are standardized in the following ways:

  1. Benefits – You don’t have to worry about which company offers the best or most benefits. The benefits of a Plan G will be the same regardless of the company you select.
  2. Doctor’s Network – Medicare Supplement Insurance companies don’t have their own doctor’s networks. Their plans are only supplements to your primary Medicare Parts A & B coverage. Your network is the nationwide Medicare network, so, you don’t have to worry about whether one company has a better doctor’s network than another.
  3. Claims-Paying Process – The Medicare Supplement claims process is highly automated. It is easy for you to use the coverage, and most people never see any paperwork. Once Medicare approves your claim, they will pay their portion and notify your provider of what they owe. The company must then pay the amount due per Medicare’s instructions.  Due to the automation and standardization in this area, every company is equal in its claims-paying history.

To make it simple, Medicare is your primary coverage. The plans that each Medicare supplement insurance carrier offers are identical from company to company, because they are standardized by the government.

So, How Do I Decide Which Company to Choose?

Selecting a company can be confusing, but there are two factors that can help you narrow down your decision. We recommend that you check the AM Best ratings for the companies you are comparing to ensure that the company has a positive standing, and then select the company that offers the lowest premium. To make this process easier for you, GoMedigap agents only work with top-rated companies, and we pride ourselves in finding the lowest premiums for our clients.

When Can I Get Medicare Supplement Plan G?

Most people sign up for Plan G during their Open Enrollment, the 6 month period before they turn 65. If you currently have a Medicare Supplement plan, you can apply to switch carriers or plan letters any time of the year. Changing your carrier can save you money, so even if you already have Plan G, it is prudent to review your options every year. If you have a question about eligibility or timeframe, your GoMedigap agent can help.

 

Compare Your Medicare Supplement Rates Immediately!

37 Replies to “What Do I Need to Know About Plan G?”

    1. Hi Ms. Wilson,

      For 2017, the Part B deductible is $183 – a minor increase from $166 for 2016. It is subject (and likely) to change every year.

      If you have any other questions, please feel free to call us at (800) 310-2550 to speak with one of our friendly and licensed agents. They can help you shop the market find the Medicare Supplement solution that is best for you. Have a great day!

    1. Hi Mr. Tinnell,

      Yes, absolutely. Because Medicare supplement insurance is a supplement to traditional Medicare, each supplement plan from every company has access to the entire Medicare network of doctors. There is not a Medicare supplement plan available from any company that provides a larger network of doctors. It is completely standardized. You will never need to ask your doctor if they take your Medicare supplement plan. You must only ask if they take Medicare.

      I hope this answers your question. If you’re in the market for a Plan G and have additional questions, I recommend that you give us a call at (800) 310-2550. One of our agents will be available to answer any questions and use our proprietary quoting tool to view all of the best rates from over 30 Medicare supplement insurance providers. We look forward to speaking with you soon!

    1. Hi Ms. Thornton,

      Great question. Because Medicare Supplement rates are different for each individual based on a number of factors, we would need more information from you to determine your exact savings by going with a Plan G. Your Medicare Supplement premiums are determined by factors such as age, tobacco use, gender, etc.

      However, many of our clients find significant cost savings with a Plan G, as the savings from the premium outweighs the cost of the Part B deductible. In order to evaluate your rates and find a low cost plan with comprehensive coverage for you, please give us a call at (800) 310-2550. One of our agents will be readily available to determine your rates and find the plan that works best for you.

    1. Hi Mr. Valencia,

      That’s a great question. The Part B deductible for 2017 is $183. In 2016, the deductible was $166. That’s a 10% increase from 2016. While we do not know definitively what the Part B deductible will be for 2018, historically it has increased. Therefore, it would be reasonable to assume that it will increase again (albeit, a minor increase).

      I hope this answers your question. If you’d like to review your options and learn more about which Medicare supplement plan is best for you, please give us a call at (800) 310-2550 and one of our agents will be happy to help you and provide guidance.

    1. Hi Lynda,

      With a Plan G, the only cost you will be responsible for other than your monthly premium is going to be the Part B deductible. In 2017, this deductible is $183, but is subject to change every year. Once you have paid off the deductible, you essentially have full coverage and will pay nothing else out of pocket.

      If you’d like assistance in reviewing rates from all of the top providers, please give us a call at (800) 310-2550, and one of our agents would be happy to help you.

    1. Hi Ms. Becky,

      Historically, the Part B deductible has increased every year. In 2016, the deductible was $166. In 2017, the deductible is $183. That’s about a 10% increase. While we do not know the exact deductible amount for 2018 or the following years, it is likely to increase, even if only by a minor bit.

      Please let me know if you have any additional questions. If you are in the market for a Plan G, please give us a call at (800) 310-2550. One of our agents can review your premiums from all of the top providers and help you shop the market to get comprehensive coverage at the most affordable price. We look forward to speaking with you soon!

  1. I am looking for a plan with a PPO preferably with BCBS for my husband who will turn 65 shortly I am looking at G do they have plans for that. Also I am already in BCBS with a PPO Freedom Blue but take a great deal of meds but have also been in medical these past six months and have been paying out extensively for testing MRI’s etc is there a plan that I can switch to that will be in the “G” PPO BCBS? I am so confused, if I can be sent material to view that would be great to help me with this process for both he and myself. BTW I do pay $137 a month. An email would be great and thank you.

    1. Hi Ms. Miller,

      I have forwarded your comment to an agent who will be emailing you with information shortly. This process can be very confusing, so it may be easier to explain and understand over the phone.

      If you’d like to go ahead and speak to an agent right away, please feel free to give us a call at (800) 310-2550 and one of our agents will be happy to help you understand your questions.

  2. Does Manhattan Life take people with pre existing conditions? I have Heart problems and need to know before I check on this Ins,

    1. Hi Ms. Walker,

      In order to properly answer this question, we would need to know a little bit more about which type of heart problems you have. Different insurance companies have different underwriting restrictions to determine whether or not you’re eligible.

      At GoMedigap, we have a full staff of in-house underwriters that will be able to help determine whether or not you are eligible for a plan with Manhattan Life. Our agents also have the ability to compare Medicares supplement rates from 30+ companies (including Manhattan Life) immediately, while you’re on the phone with them.

      To speak with one of our professional agents, please call us directly at (800) 310-2550. We look forward to speaking with you!

  3. I have been under the impression we have Plan J with Medicare. However, I don’t see it on the list. Has it been replaced with another plan?

    1. Hi Ms. Jones,

      In June of 2010, Plan J was dropped from all new sales. At this time, beneficiaries were allowed to keep their Plan J, but it would not be sold to individuals joining Medicare after this date. The reason for this is that many of the benefits for Plan J were underutilized, as well as redundant, as Medicare began adding identical benefits.

      There were two benefits that Plan J offered policyholders that Medicare didn’t cover: Preventative care and At-Home Recovery. Over the years, Medicare has changed what they cover and now Medicare does cover preventative care and at-home recovery. Therefore, the extra benefits provided by Plan J are now duplicated and rendered unnecessary.

      Prior to June of 2010, any consumer shopping for full coverage for their Medicare supplement was told that Plan J was the full coverage option. Now that Plan J is no longer offered, those looking for full coverage are now directed to Medicare supplement Plan F. Plan F has the same benefits as Plan J, minus the Preventative Care and At-Home Recovery services. Now that Medicare covers those two line items, the plans perform equally, in terms of coverage.

      For more information on Plan J and other alternatives, please visit our blog on Plan J vs. Plan F: Should I Switch?

      If you have a Plan J, there is a chance you could be overpaying for your coverage. If you’d like to review rates for other Medicare supplement plans, including the Plan F or Plan G, please call us directly at (800) 310-2550. Or, view your Medicare supplement rates online.

    1. Hi Mr. Young,

      If you purchased the Medicare supplement Plan G, then the only deductible you will have to pay will be the Medicare Part B deductible. This deductible is $183 in 2017, but is subject to change in 2018. Once you pay your Part B deductible, you essentially have full coverage for all Medicare-approved expenses.

      Please let me know if you have any additional questions!

  4. I (male age 70) am a current Mutual of Omaha Plan G subscriber. Happy with what my spouse (agee 66) and I have with MofOmaha. Do I need to resusbscribe? No one from MofOmaha has contacted me about resusbscribing?

    1. Hi Mr. Wells,

      In order to answer this question, we’d need to know a bit more information about you, such as your location, past health conditions, current health status, etc.

      Because we are an independent agency and represent over 30 of the top Medicare supplement providers, we can easily let you know if you and your wife could save some money by switching to a different plan. If you’d like a professional agent to review all of the available Plan G rates from you from reputable Medicare supplement companies, please just give us a call at (800) 310-2550. Or, you can view your Plan G rates online now.

      1. Hi Syble,

        Mutual of Omaha does not offer SilverSneakers as a perk for choosing them. If you would like, we can see if there are carriers in your area that offer Plan G and SilverSneakers. Give us a call at (866)89403258 and we will take a look for you.

  5. When a company says this is the cost of coverage is that separate from the $134 for plan B or does it include the plan B cost.

    1. Hi Ms. Setzkorn,

      The $134 Part B premium is separate from the cost of coverage. However, if you’re considering a plan such as Plan F, it could cover your Part B deductible.

      I hope this helps! Please reach out if you have any other questions. You can contact us at (800) 310-2550. Have a great day!

  6. Trying to find out how part b deductible is paid for plan G. Are you billed by doctor or medicare? Is it billed all at once?

    1. Hi Sam,

      You are not necessarily going to be billed the full deductible at once. You will receive a bill from your doctor after Medicare assess your claim, and tells your doctor what you owe (not to exceed the amount of your deductible).

      Hope this helps!

    1. Hi Pamela,
      Medicare does not cover routine dental or eye exams, so none of the Supplement plans will either. We do offer additional coverage outside of Medicare to help you meet those needs. You can read about it at our Dental, Vision & Hearing Insurance page, or by speaking with one of our agents at (800)310-2550.

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