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Medigap Plan G

Medigap Plan G is identical to Plan F. Both plans offer comprehensive coverage and are among the most robust of all Medigap offerings. Plan F however; requires the enrollee to pay pay Medicare Part B deductible out-of-pockets.

In 2013, the Part B deductible was around $147, and once the out-of-pocket expenses surpass that total, you will assume the responsibility of paying 20% of Medicare-approved Part B services.

Medigap Plan F was created to help enrollees to cover excess costs from health care providers and will include the following benefits:

  • Part B excess charges
  • First three pints of blood for a medical procedure
  • Skilled Nursing Facility (SNF) care coinsurance coverage
  • Foreign travel emergency coverage
  • Medicare Part A hospital coinsurance and all costs up to 365 days after Original Medicare benefits are exhausted
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Medicare Part B preventive care coinsurance coverage
  • Part B coinsurance or copayment coverage

The majority of Medicare Supplement plans (Medigap) plans will not cover Part B excss charges and is why Medigap Plan G could be of interest for those who have frequent medical needs.