Medicare Supplement Plan G: A Comprehensive Guide
When it comes to choosing the right Medicare coverage, understanding the ins and outs of Medicare Supplement (Medigap) plans is crucial. Among the ten standardized Medigap plans available, Plan G has gained popularity for its robust coverage and simplicity.
In this comprehensive guide, we will delve into everything you need to know about Medicare Supplement Plan G, including its benefits, costs, eligibility, and how it compares to other plans.
What Is Medicare Supplement Plan G?
Medicare Supplement Plan G is a Medigap policy designed to work alongside Original Medicare (Part A and Part B). It helps cover out-of-pocket expenses that Medicare doesn’t pay for, such as copayments, coinsurance, and deductibles.
Plan G offers one of the most comprehensive sets of benefits available in Medigap plans, making it a preferred choice for those who want extensive coverage without unexpected medical bills.
Key Benefits of Plan G
- Hospital Costs (Part A Coinsurance and Hospital Costs): Plan G covers all coinsurance costs for hospital stays up to an additional 365 days after Medicare benefits are exhausted.
- Part A Deductible: Medicare beneficiaries are responsible for a deductible before Part A coverage begins. Plan G fully covers this expense.
- Part B Coinsurance and Copayments: After meeting the annual Part B deductible, Plan G covers 100% of the costs associated with doctor visits, outpatient services, and other Part B expenses.
- Skilled Nursing Facility Care Coinsurance: If you need skilled nursing care, Plan G covers the coinsurance costs.
- Excess Charges: Plan G pays for Part B excess charges, which occur when a doctor charges more than Medicare’s approved amount.
- Foreign Travel Emergency Coverage: Plan G includes up to 80% coverage for medical emergencies during foreign travel, up to plan limits.
What Plan G Does Not Cover
- Part B Deductible: Plan G does not cover the annual Medicare Part B deductible. For 2025, this deductible is $233 (amount subject to annual adjustments).
- Prescription Drugs: Like other Medigap plans, Plan G does not include Part D prescription drug coverage. Beneficiaries must enroll in a standalone Part D plan for medication coverage.
- Vision, Dental, and Hearing: These services are not covered under Plan G. Beneficiaries may need separate insurance or pay out of pocket for these expenses.
Eligibility for Plan G
To enroll in Medicare Supplement Plan G, you must:
- Be enrolled in both Medicare Part A and Part B.
- Reside in a state where Plan G is offered.
- Apply during your Medigap Open Enrollment Period for guaranteed issue rights, which begins when you turn 65 and are enrolled in Part B.
Outside this window, insurers may require medical underwriting, which could impact your eligibility or premiums.
Costs of Plan G
The cost of Medicare Supplement Plan G varies depending on several factors:
- Premiums: Monthly premiums for Plan G depend on your age, gender, location, and whether your insurer uses community-rated, issue-age-rated, or attained-age-rated pricing.
- Annual Part B Deductible: While Plan G covers most out-of-pocket costs, beneficiaries must still pay the Part B deductible.
- Geographic Differences: Premiums may be higher in urban areas or states with higher healthcare costs.
On average, monthly premiums for Plan G range from $100 to $300, but shopping around and comparing insurers can help you find the best rate.
Plan G vs. Plan F: Which Is Better?
Plan G is often compared to Plan F, the most comprehensive Medigap plan. Here’s how they differ:
- Coverage: Plan F covers the Part B deductible, while Plan G does not. Otherwise, the two plans are identical in benefits.
- Availability: Plan F is no longer available to new Medicare beneficiaries who became eligible after January 1, 2020. Plan G remains widely available.
- Cost: Plan G typically has lower premiums than Plan F, even when accounting for the Part B deductible.
For most beneficiaries, Plan G provides nearly identical coverage to Plan F at a more affordable price.
Comparing Top Medicare Supplement Plan G Companies: What You Need to Know
If you’re considering Medicare Supplement Plan G, you’ve already made a wise decision to prioritize comprehensive coverage and predictable healthcare costs. But now comes the tricky part—choosing the right insurance company.
One of the most common questions I hear is, “Does it really matter which company I choose?” My answer is both simple and reassuring: when it comes to Plan G, coverage is standardized, so the benefits are the same no matter which company you choose.
However, the difference often comes down to cost, customer service, and additional perks. Let’s break it down together.
Plan G Coverage: It’s the Same Across the Board
Here’s something I want to make clear: Medicare Supplement Plan G is regulated by the federal government, meaning its benefits are identical regardless of the insurance company. If you’re enrolled in Plan G, you’ll enjoy:
- Coverage for Part A and Part B coinsurance.
- Payment of the Part A deductible.
- Skilled nursing facility care coinsurance.
- Part B excess charges.
- Emergency coverage during foreign travel.
This standardization means that whether you choose a big-name insurer or a smaller regional company, your medical benefits will be the same. You won’t get “better” coverage from one company over another.
What Sets Companies Apart?
If the coverage is the same, why do we need to compare companies?
The answer lies in three key areas:
- Premium Costs: While the benefits don’t change, the monthly premiums you pay can vary widely from one company to another. Insurers use different pricing methods—community-rated, issue-age-rated, or attained-age-rated—to determine your premium. For example:
- Some companies may offer lower initial premiums but increase rates as you age. Others may have slightly higher premiums upfront but offer more stable rates over time.
- Rate Increase History: Beyond the current premium, it’s essential to consider a company’s track record of rate increases. Some insurers have a history of moderate, predictable increases, while others are known for steep jumps. Reviewing a company’s rate history can give you an idea of what to expect in the future.
- Customer Service and Reputation: Let’s face it: dealing with insurance companies isn’t always fun. That’s why customer service matters. When comparing companies, I look at:
- How easy it is to reach a representative.Their responsiveness to claims.Overall customer satisfaction ratings.
Top Companies Offering Medigap Plan G
1. AARP/UnitedHealthcare
Overview:
AARP partners with UnitedHealthcare (UHC) to offer one of the most comprehensive and widely recognized Medigap plans in the market. As the largest Medigap provider, they offer excellent brand trust and extensive coverage options.
- Strengths:
- Broad availability across all 50 states.
- Competitive pricing with multi-year discounts for new enrollees.
- Extra benefits, such as discounts on hearing aids, vision, and gym memberships.
- Strong customer service and easy-to-navigate online tools.
- Considerations:
- Membership with AARP is required.
- Premiums may trend higher after initial discounts expire.
2. Mutual of Omaha
Overview:
With over a century of experience, Mutual of Omaha is a reliable and financially stable provider of Medigap plans. They are known for competitive rates and excellent customer satisfaction.
- Strengths:
- Consistently competitive pricing, especially for Plan G and Plan N.
- Offers a household discount (up to 12%) in many states.
- Simplified underwriting process, making it easier for applicants to qualify.
- Highly rated customer service and claims handling.
- Considerations:
- Premium rates may vary significantly by state.
- Limited extra benefits compared to competitors like UHC.
3. Cigna
Overview:
Cigna provides Medigap plans in many states and is known for its strong focus on customer wellness and affordable rates for certain demographics.
- Strengths:
- Competitive pricing for younger retirees.
- Offers a variety of wellness programs, including discounts on fitness and preventive care.
- Household discounts are available in most states.
- Strong financial stability and reliable claims processing.
- Considerations:
- Limited availability in some rural areas.
- Rates can rise more sharply in certain regions.
4. Humana
Overview:
Humana is a major health insurance provider that offers Medigap plans with competitive pricing and value-added services.
- Strengths:
- Flexible pricing with discounts for non-smokers and those who pay annually.
- Excellent online tools and mobile app for managing plans and claims.
- Additional benefits include wellness programs and discounts on alternative therapies.
- Considerations:
- Plan availability varies by state.
- Some plans may have higher initial premiums compared to competitors.
5. Blue Cross Blue Shield (BCBS)
Overview:
Operating through various regional affiliates, BCBS is one of the most widely recognized Medigap providers, known for its extensive network and brand reliability.
- Strengths:
- Extensive network of healthcare providers, making it easier to find participating doctors and facilities.
- Competitive pricing in urban areas.
- High customer satisfaction due to strong regional presence.
- Often includes value-added benefits like fitness discounts and wellness programs.
- Considerations:
- Premiums can vary widely depending on the regional BCBS affiliate.
- Customer experience may differ by region.
6. Manhattan Life
Overview:
Manhattan Life is a smaller, niche provider of Medigap plans but has gained popularity for its competitive pricing and personalized customer service.
- Strengths:
- Competitive premiums, especially for Plans G and N.
- Household discounts of up to 12% in many states.
- Excellent reputation for personalized customer service.
- Simplified underwriting for certain plans.
- Considerations:
- Limited national availability.
- Fewer extra benefits compared to larger providers.
7. Aetna
Overview:
Aetna is a well-known health insurance provider offering Medigap plans that combine affordability with a strong focus on customer service.
- Strengths:
- Competitive rates with multi-policy discounts.
- Strong online tools for managing policies and claims.
- Household discounts are available in many states.
- Backed by CVS Health, offering integrated healthcare solutions.
- Considerations:
- Rate increases may outpace competitors in some regions.
- Limited availability of Plans F and High-Deductible G.
My Advice: Shop Smart
When it comes to choosing a Medicare Supplement Plan G provider, I recommend:
- Comparing Costs: Use tools to get quotes from multiple insurers and evaluate the premiums. Don’t forget to consider potential rate increases.
- Checking Reviews: Look at customer satisfaction ratings and reviews for each company. This will give you insight into their service quality.
- Evaluating Discounts: Some insurers offer discounts for things like being part of the same household or setting up autopay. These savings can add up over time.
- Considering Local Options: While big-name insurers are great, don’t overlook smaller regional companies. They often have competitive pricing and excellent service.
Medigap Plan G vs. Medicare Advantage: Why I Recommend Plan G
When it comes to choosing between Medicare Supplement Plan G and a Medicare Advantage plan, the decision can feel overwhelming. Both offer valuable benefits, but they cater to very different needs.
Having worked with Medicare beneficiaries for years, I’ve found that Plan G often provides more stability, freedom, and peace of mind compared to Medicare Advantage. Let me explain why.
Understanding the Basics
Before diving into the comparison, let’s clarify what each option entails:
- Medicare Supplement Plan G works alongside Original Medicare (Parts A and B) to cover out-of-pocket costs such as deductibles, copayments, and coinsurance. It’s a private insurance policy that fills the gaps in Medicare coverage.
- Medicare Advantage Plans (Part C) are all-in-one alternatives to Original Medicare. These plans are offered by private insurers and often include additional benefits like prescription drugs, dental, and vision coverage. However, they operate within a network of providers and may require referrals for specialist care.
Why I Prefer Plan G
1. Freedom to Choose Any Doctor
With Plan G, you can see any doctor or specialist in the United States who accepts Medicare. There are no restrictive networks or need for referrals. This is especially important if you travel frequently or want the flexibility to see the best specialists without worrying about whether they’re in-network.
Medicare Advantage plans, on the other hand, often limit you to a specific network of providers. If you go out of network, you could face significantly higher costs or even be denied coverage. For me, the freedom to choose my healthcare providers is non-negotiable.
2. Predictable Out-of-Pocket Costs
Plan G offers predictable healthcare costs. Once you pay the annual Part B deductible (currently $257 for 2025), Plan G covers nearly all other expenses. This means no surprise bills for hospital stays, outpatient care, or medical emergencies.
Medicare Advantage plans often have lower monthly premiums but come with copayments, coinsurance, and deductibles that can add up quickly, especially if you need frequent care. And while they have an annual out-of-pocket maximum, those limits can be as high as $8,000 or more in some plans.
3. Coverage Without Hidden Gaps
Plan G covers Part A and Part B excess charges—costs that Medicare doesn’t fully cover. This includes skilled nursing care, hospital stays, and even emergency care while traveling abroad. Medicare Advantage plans might offer additional benefits, but these come with caveats.
For example, dental or vision coverage may be limited, and foreign travel coverage is often nonexistent or minimal.
4. No Prior Authorizations
One of the frustrations I’ve heard from people with Medicare Advantage plans is the need for prior authorizations. Before receiving certain treatments, you’ll need approval from your insurance company. This can delay care and add stress, especially in urgent situations.
With Plan G, there’s no need for prior authorizations. If Medicare approves a service, Plan G covers it. It’s that simple.
5. Stability and Long-Term Value
Medicare Advantage plans often lure people in with low premiums or $0 premium plans. While this seems appealing, the costs can escalate over time with out-of-pocket expenses and changes in plan benefits or networks.
Plan G, while requiring a higher monthly premium, offers consistent benefits year after year. You’re not at the mercy of annual plan changes or network reshuffling. For me, this stability is worth every penny.
Addressing Common Misconceptions
Medicare Supplement Plan G offers peace of mind by covering nearly all out-of-pocket costs associated with Original Medicare. It’s an excellent option for those seeking comprehensive coverage without the high premiums of Plan F.
By understanding the benefits, costs, and enrollment process, you can decide whether Plan G is the right fit for your healthcare needs.
Choosing between Plan G and Medicare Advantage is a personal decision, but it deserves careful consideration. For me and many others, the benefits of Plan G far outweigh the limitations of Medicare Advantage.
If you’re unsure about which plan is right for you, we’re here to help. Let’s ensure you make a choice that aligns with your healthcare needs and lifestyle.
Next Steps
We specialize in guiding Medicare beneficiaries through their Medicare insurance options. We work with some of the nation’s top-rated Medigap carriers so that you can be sure you’re getting the best possible service. Take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Additionally, you can give us a call today to learn more or request a quote online.
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