Medigap Plan G is a robust and comprehensive Medicare supplement insurance plan that offers extensive coverage to fill the gaps left by Original Medicare. It is designed to provide financial protection and peace of mind by covering a wide range of medical costs that are not fully covered by Medicare.
With Medigap Plan G, you can benefit from coverage for Medicare Part A coinsurance and hospital costs, which includes expenses incurred during hospital stays and certain skilled nursing facility care. It also covers Medicare Part B coinsurance or copayment, which helps with the costs of outpatient services, medical supplies, and doctor visits. Medigap Plan G includes coverage for blood expenses, ensuring that you have the necessary support for blood transfusions when needed. It also provides coverage for Part A hospice care coinsurance or copayment, offering additional financial assistance during end-of-life care. Additionally, Medigap Plan G covers the coinsurance for skilled nursing facility care, helping to alleviate the financial burden associated with extended stays in a skilled nursing facility.
Medigap Plan G is a popular choice among individuals who desire comprehensive coverage and are willing to pay a slightly higher premium. It offers extensive benefits and helps to minimize out-of-pocket expenses, providing a valuable safety net for your healthcare needs.
Below is a comprehensive list of the covered services provided by Medicare Supplement Plan G, which include benefits under Medicare Part A, Medicare Part B, and other areas:
Service | Who pays what? |
---|---|
First 60 days | Medicare pays: All cost but $1,632 Plan pays: $1,632 (Part A Deductible) Member pays: Nothing |
61st thru 90th day | Medicare pays: All cost but $408/day Plan pays: $408/day Member pays: Nothing |
91st day and after (While using 60 lifetime reserve days) | Medicare pays: All cost but $816/day
Plan pays: $816/day Member pays: Nothing |
Once lifetime reserve days are used; additional 365 days | Medicare pays: Nothing Plan pays: 100% of Medicare-eligible expenses Member pays: Nothing |
Beyond the additional 365 days | Medicare pays: Nothing
Plan pays: Nothing Member pays: All cost |
Service | Who pays what? |
---|---|
First 20 days | Medicare pays: All cost Plan pays: Nothing Member pays: Nothing |
21st thru 100th day | Medicare pays: All but $204/day Plan pays: Up to $204/day Member pays: Nothing |
101st day and after | Medicare pays: Nothing Plan pays: Nothing Member pays: All cost |
Service | Who pays what? |
---|---|
First three pints | Medicare pays: Nothing Plan pays: All cost Member pays: Nothing |
Additional amount | Medicare pays: All cost Plan pays: Nothing Member pays: Nothing |
Service | Who pays what? |
---|---|
Hospice Care | Medicare pays: All but very limited
copayment/ coinsurance for outpatient drugs and inpatient respite care Plan pays: Medicare copayment and coinsurance Member pays: Nothing |
Service | Who pays what? |
---|---|
Part B Deductible | Medicare pays: Nothing Plan pays: Nothing Member pays: $240 (Part B Deductible) |
Part B Coinsurance | Medicare pays: 80% Plan pays: 20% Member pays: Nothing |
Part B Excess Charges
(above Medicare approved amounts) | Medicare pays: Nothing Plan pays: All cost Member pays: Nothing |
Service | Who pays what? |
---|---|
Test for diagnostic lab services | Medicare pays: All cost Plan pays: Nothing Member pays: Nothing |
Service | Who pays what? |
---|---|
First three pints | Medicare pays: All cost Plan pays: Nothing Member pays: Nothing |
Additional amount (First $226 of
Medicare approved amounts) | Medicare pays: Nothing Plan pays: Nothing Member pays: $240 (Part B deductible) |
Remainder of Medicare approved amounts | Medicare pays: 80% Plan pays: 20% Member pays: Nothing |
Service | Who pays what? |
---|---|
Medically necessary skilled care
services and medical supplies/ Durable medical equipment (First $226 of Medicare approved amounts) | Medicare pays: Nothing Plan pays: Nothing Member pays: $240 (Part B deductible) |
61st thru 90th day | Medicare pays: 80% Plan pays: 20% Member pays: Nothing |
Service | Who pays what? |
---|---|
First $250 each calendar
year/Remainder of charges | Medicare pays: Nothing (exccept under limited circumstances) Plan pays: $0/80% to a lifetime maximum of $50,000 Member pays: $250/20% and amounts over the $50,000 lifetime maximum |
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