Plan G is among the Medigap Plans with the broadest benefits. Only Plan F offers more standard benefits. Plan G’s only major area where it lacks coverage is the Medicare Part B deductible. Plan G enrollees are still obligated to pay this deductible on their own.
Plan G includes coverage of excess charges - amounts charged by doctors above the Medicare-approved rate for a medical service. Plan G is one of only two plans that includes coverage of excess charges.
|Plan G Coverage|
|Medicare Part A Deductible||100% coverage|
|Medicare Part B Deductible||No coverage|
|Medicare Part B “Excess Charges”*||100% coverage|
|Copayment or Co-Insurance Fee for Medicare Part B services||100% coverage|
|Part A Co-Insurance Fees & Hospital Costs for up to 365 days after Original Medicare Benefits are Exhausted||100% coverage|
|Cost of first 3 Pints of Blood||100% coverage|
|Copayment or Co-Insurance Fee for Medicare Part A Hospice Care||100% coverage|
|Co-Insurance Fees for Skilled Nursing Facility Care||100% coverage|
|Foreign Travel Medical Emergency Coverage (up to plan limits)||Yes|
|Annual Limit on Enrollee Out-of-Pocket Expenses?||Not applicable|
If you are interested in coverage for all of the out-of-pocket costs listed in the above table including the Medicare Part B deductible, consider Plan F.
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