Medicare Supplement Plan G (Medigap Plan G) | GoMedigap

Medicare Supplement Insurance Plan G

Medigap Plan G

Medicare Supplement Plan G is becoming a more popular Medicare supplement plan because it offers the second most coverage out of all the supplement plans.

Medicare Supplement Plan G covers the following:

  • Medicare Part A coinsurance and hospital costs
  • Medicare Part B coinsurance or copayment
  • Blood (first 3 pints)
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Medicare Part A deductible
  • Medicare Part B excess charges
  • Foreign travel emergency (up to plan limits)

Medigap Plan G covers everything that the Plan F does (the most comprehensive plan) except for the Part B deductible. Medicare supplement insurance Plan G can also be a less expensive alternative to Plan F. Of course, the price of Plan G depends on your current health conditions, age, gender, and which company you purchase your Medicare supplement insurance with. Since it is one of the more popular Medicare supplement plans, it can sometimes be more affordable because the monthly premium tends to be less expensive. When there are more people enrolled in a particular Medicare supplement plan with a particular company, premiums tend to decrease.

What Medigap Plan G Does NOT Cover

Plan G does not cover the Medicare Part B Deductible.

Medigap Plan G Benefits

Medicare Supplement Plan G Standardization

Before you consider Plan G rates from different companies, it is crucial that you understand Medicare supplement standardization. Medicare supplement plans have been completely standardized since 1991. So, as you consider Plan G pricing from the different insurance companies, you can feel comfortable that a standard Plan G from each company will be identical in the following ways:

  1. Same Benefits – Medicare supplement Plan G will have the same coverage listed above, regardless of the company you buy your supplement from. So, you don’t have to worry about whether one company’s Plan G is going to have more or less benefits than another company. It doesn’t matter which company you buy your plan from, the Plan G benefits will be completely identical.
  2. Same Doctor’s Network – Medicare supplement insurance companies do not 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. In fact, 93% of primary care physicians still accept Medicare. So, you don’t have to worry about whether one company has a better doctor’s network than another. They will all share the same network – the Medicare network of doctors.
  3. Same Claims-Paying Process – Medicare supplement claims-processing is highly automated these days, which makes it easy for you to use the coverage. When you receive your medical services from your physician, they will only submit your claim to Medicare and not to your Medicare supplement insurance company. Medicare uses a clearinghouse that knows which Medicare supplement plan and company you use. Once Medicare approves your claim, they will pay the physician their portion and will notify your Medicare supplement company, through the clearinghouse, of the amount due to the physician from your Medicare supplement insurance company. The Medicare supplement company cannot decide they don’t want to, or shouldn’t have to, pay their portion of the claim. They have no choice. They must pay the amount due per Medicare’s instructions. This is automated and completely standardized from company to company. So, you don’t have to worry about whether one company is better at paying for claims than another. Due to the automation and standardization in this area, they’re all equal in their claims-paying history.

Knowing about the areas of standardization above makes it extremely easy to consider rates for Medicare supplement Plan G from any company. So, it really comes down to who is going to offer the best rate from a company you can trust for your Plan G.

That’s one reason so many Medicare recipients turn to a GoMedigap agent. We care about educating our clients through the buying process and ensuring they have options from over 30 providers nationwide. This ensures that you’ll know what you’re buying and have the choices available to find the best value.

Medicare Supplement Plan G Pricing

While Plan G tends to be among the higher priced plans, Plan G is historically less expensive than Medicare supplement Plan F. Because your only exposure with the Plan G is the Part B deductible (which is $183 in 2018), the savings from the lower premiums with the Plan G can sometimes outweigh the cost of the Part B deductible. Therefore, although the deductible is not covered, Plan G policyholders will typically save money overall with the Plan G due to the premium difference.

GoMedigap Can Help

GoMedigap agents are very well-versed at helping you make these decisions. The service from our highly-regarded agents won’t cost you anything, and we’re confident you’ll enjoy the conversation.

If you would like to discuss your Medicare supplement Plan F options, or options from any other plan, please complete the online form to compare Medicare supplement rates, or call us directly at (800) 310-2550 during normal business hours.

To learn more about Plan G and how to compare Medigap plans, call us at (800) 310-2550 or enter your zip code in our free quote form.

Compare Your Medicare Supplement Rates Immediately!

31 Replies to “Medicare Supplement Insurance 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.

  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!

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