What does Plan G cover?
Plan G is one of the most comprehensive Medicare Supplement Insurance (Medigap) Plans currently available and helps pay for a variety of medical costs and procedures, including blood transfusions, skilled nursing, and more. This plan fills almost all of the gaps left by Original Medicare – the only major item it does not cover is the Part B deductible. The official list of benefits offered by Plan G can be found below. Overall, those enrolled in Plan G can expect minimal out-of-pocket expenses compared to those using Original Medicare alone or with most of the other Medicare Supplement Insurance Plans. Following the discontinuation of Medigap Plan F in 2020, Plan G will also be the most comprehensive plan available. It should be noted that insurers are not currently required to offer Plan G, so it may not be available everywhere.
Supplies and services covered by Plan G:
- Part A coinsurance and hospital costs up to a year after Medicare benefits are used up
- Part B coinsurance/copayments
- Blood transfusions up to 3 pints annually
- Part A hospice care coinsurance/copayments
- Skilled nursing facility care coinsurance
- Part A deductible
- Part B excess charge (from doctors who do not accept Medicare assignment)
- 80% of foreign emergency care (up to a certain limit)
What is Medicare Supplement Plan N?