The supplemental insurance plans give seniors some much needed coverage and help them to fill in gaps in their healthcare insurance that the Original medicare supplement plansMedicare plan has left them.

Medicare Supplement Plan G is the Supplement plan with the most coverage right now, and it is saving many seniors so much money on their healthcare.

Is this the kind of coverage plan you could use?

We’ll tell you all about Plan G and what it has to offer you.

You’ll learn how you can enroll in this plan, how much it might cost you and how you can get a good deal on Plan G by using resources right here on this site.

Medicare Plan G’s Coverage

One of the big questions you will want answered about Plan G before you medicare supplement plansdecide if it is right for you is which medical benefits it provides.

A health insurance plan is only as good as the coverage it provides, and Plan G really delivers in that regard.

It is designed to offer nearly complete supplemental coverage.

What that means is that out of all the medical expenses that are classified as supplemental ones to Original Medicare, Plan G covers the majority of them.

The only plans that cover more than it are ones that are delisted at this point (like Supplement Plan F).

  • Medicare Part A copays – This expense is normally due each time you go to the hospital for a stay

 

  • Medicare Part A hospice coinsurance – Helps to cover the remaining costs for hospice care that are not already covered by Original Medicare

 

  • Medicare Part A annual deductible – This yearly expense can be covered, and it comes up to $1,408

 

  • Medicare Part B copays – This expense is charged to you each time you go to the emergency room or visit the doctor’s office, among other healthcare provider visits

 

  • Medicare Part B excess charges – You would only be charged this fee if you go to a medical care provider who does not accept Medicare fully

 

  • Nursing care coinsurance – Helping out with the remaining costs for nursing services

 

  • Blood usage – Covering the three remaining pints of blood you use each year that are not covered already by Original Medicare

 

  • Foreign travel exchange – Covering you for up to 80% for every incident pertaining to foreign transport for emergency medical services, and topping out at $50,000 in total coverage over your lifetime

 

medicare supplement plans

This coverage is guaranteed, and what that means for you is that no matter which insurance provider you get Plan G from, you will receive the exact same medicare supplement plansmedical benefits.

For the upcoming year, the coverage is not expected to change, and if you are a Medicare subscriber, then you will be notified of any incoming changes before they happen.

For now, Plan G is expected to stay exactly the same.

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Plan G Pricing

Now that you know what this plan covers, it’s time to find out how much it medicare supplement planscosts.

The price of Plan G is completely up to the insurance companies that sell it.

Medicare may have designed this supplemental insurance plan, but it has not designated a price for it, leaving that up to the insurance companies.

They will charge different prices for Plan G depending on where you live, so keep that in mind and make sure you only source local rates when you are trying to find out how much this plan will cost you in your area.

What’s the average price of Plan G?

The average price will vary based on your location, but the national average is medicare supplement plansaround $100 a month, with the price commonly varying from $90-$110.

The difference between these two price ranges is only $20, but when you add that up over the entire year, that is a savings of $240 for choosing the cheaper plan.

medicare supplement plans

This is why it is so important that you take some time and source as many quotes as you can.

medicare supplement plansYou want to go with the cheaper price, if at all possible, keeping in mind that your medical benefits do not change and that Plan G covers the same expenses for you regardless of the cost.

Prices will change over time, and if you want to keep up with them, then you need to use our site for current and up-to-date quotes.

We get our quotes for Plan G and other Supplements directly from the insurance companies that sell these plans, so they are always accurate.

As rates change for Medicare Supplements, that will be accurately reflected on our site.

How Plan G Compares

Before you try to sign up for Plan G, you should know about some of your medicare supplement plansother options.

The most notable alternative to Plan G is Supplement Plan N.

This is yet another high coverage plan, and it will give you great protection against medical expenses of all kinds. Under Plan N, you would be covered for Medicare Part A’s entire supplemental expenses, such as the annual deductible, the copays and the hospice coinsurance.

You will also enjoy coverage for Medicare Part B’s copayments, but not all of them. You still need to pay the $20 copay for all doctor’s visits and the $50 copay for any emergency room visit.

Plan N also covers you for foreign travel exchange costs, with the typical 80% coverage per incident and $50,000 in total coverage over your lifetime.

It will cover you for nursing care as well, taking care of the coinsurance costs and helping to make common nursing services far more affordable.

Plan N covers you for three pints of blood as well, and that’s the three pints that the Original Medicare plan does not cover.

medicare supplement plans

All this coverage makes Plan N a pretty powerful package, but it does fall short of Plan G’s coverage.

In many cases, Plan N is the better option, as it is more affordable and has less unnecessary coverage.

The medical benefits that it offers are more common and relevant for most seniors.

You could also go with Plan F, which offers complete supplemental coverage.

This is only available to those who signed up for it before and still have it as their coverage plan.

As a delisted Supplement plans, Medicare Supplement Plan F is no longer available to the general public, and many seniors have moved on from that to Medicare Supplement Plan G.

You have plenty of other options as well.medicare supplement plans

There is a high deductible version of Plan G available.

This one covers all the same medical benefits as Plan G, but its deductible is higher and its premiums are lower.

There are some lower coverage plans available as well.

These range from offering a greatly reduced list of medical benefits to uncovering some benefits 50% or so.

No matter what your coverage needs, there is likely a Supplement plan that is able to meet them for you.

If you are not sure which one would be right for you, then feel free to give us a call and get some expert advice.

We can answer any questions that you have and help you make a decision you’ll feel good about.

medicare supplement plansPlan N covers you for three pints of blood as well, and that’s the three pints that the Original Medicare plan does not cover.

All this coverage makes Plan N a pretty powerful package, but it does fall short of Plan G’s coverage.

In many cases, Plan N is the better option, as it is more affordable and has less unnecessary coverage.

The medical benefits that it offers are more common and relevant for most seniors.

You could also go with Plan F, which offers complete supplemental coverage.

This is only available to those who signed up for it before and still have it as their coverage plan.

As a delisted Supplement plans, Medicare Supplement Plan F is no longer available to the general public, and many seniors have moved on from that to Medicare Supplement Plan G.

You have plenty of other options as well.

There is a high deductible version of Plan G available.

This one covers all the same medical benefits as Plan G, but its deductible is higher and its premiums are lower.

medicare supplement plansThere are some lower coverage plans available as well.

These range from offering a greatly reduced list of medical benefits to uncovering some benefits 50% or so.

No matter what your coverage needs, there is likely a Supplement plan that is able to meet them for you.

If you are not sure which one would be right for you, then feel free to give us a call and get some expert advice.

We can answer any questions that you have and help you make a decision you’ll feel good about.

medicare supplement plans

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Who to Buy Plan G from

You have some options as to where you can purchase your Medicare Plan G from.

Just in your local area there are probably a few different options. We want to point out a few of the top insurers and help you understand what sets them apart.

Remember that no matter what prices they charge for their plans, the coverage remains the same for Plan G.

Blue Cross Blue Shield- This is going to be one of your cheapest options.

They sell low priced plans as a non-profit organization, and they are known for their excellent customer service.

If you are looking for membership perks, though, you will want to look elsewhere, as that’s not something that Blue Cross is particularly known for.

medicare supplement plans

AARP- This senior-focused insurer has been in the business for decades and has a very good understanding of what kind of services seniors are going to benefit from.

They offer a host of perks for being a member with them, like gym access, personalized diet and fitness plans, financial advice, prescription drug drop-off and more.

medicare supplement plans

Aetna- This insurer is also offering a bunch of perks for customers, like the Silver Sneakers program that provides access to gyms and encourages a healthy lifestyle.

They are known for their excellent customer service, and they have fairly competitive rates.

Medicare Supplement Plan G 2021

Humana- What makes Humana a good choice is their commitment to ensuring the health of their customers.

They make great effort to provide healthy living perks for their customers and ensure competitive rates and a responsive customer service experience.

medicare supplement plans

With any of these insurers, you will want to compare rates.

medicare supplement plansYou should be looking for a competitive price, but also keep in mind the customer service experience you are getting, the perks they are offering and other benefits that make them stand apart from one another.

If you need help sorting through all of these options, then please get in touch with us.

We are happy to help you make a smart, informed choice that you will be happy with.

How to Enroll

medicare supplement plansLooking to enroll in a Medicare Supplement?

You can get Plan G as soon as you turn 65.

You can apply up to three months before your birthday month, though.

In some states you can apply even earlier when you qualify for disability.

You have until three months after your birthday month in which to enroll.

This entire period from shortly before your birthday until shortly after is considered the Open Enrollment window.

This is your best opportunity to get good rates and to get a plan that you are happy with.

You will not have to pay a higher rate just because you have a preexisting medical condition, if you enroll at this time.

Waiting to enroll may be smart for some seniors, though, if they don’t need coverage right away.

medicare supplement plans

We suggest that seniors consider waiting to enroll until the annual enrollment period if they have decent coverage for the time being.

medicare supplement plansYou can still get the plan you want then, and you can enroll anywhere from October 15th until December 7th.

Just be warned that your preexisting medical conditions are going to be a factor when it comes to pricing at that point.

This is why it is always best if you enroll earlier.

Once you enroll during annual enrollment, though, your coverage will start on January 1st of the next year.

How Plan G Interacts with Other Types of Healthcare Insurance

If you have another kind of medical insurance plan, you may not be able to get coverage from Plan G just yet.

The two plans could overlap with each other in one way or another, and that medicare supplement planscould mean that would be incompatible.

Medicare Advantage plans are the most common example of an overlapping plan.

They are not compatible with any of the Medicare Supplements, including Plan G.

Also, if you have a healthcare insurance plan from your union or from your employer, chances are that it will be incompatible as well.

You will need to drop that plan in order to start receiving coverage from Plan G.

You cannot be paying for the same coverage twice, as Medicare will not allow that, so if you have any questions about which plans are compatible and which ones will need to go, then please give us a call.

We are happy to answer your questions.

Medicare Supplement Plan G is a fine plan for many seniors.medicare supplement plans

Check the prices here on our site to see if it is affordable for you, and if it isn’t then there are some great alternatives.

Be sure to look at all of your option for Medicare Supplements before you decide on one, as you want to be sure you choose a plan that fits your needs well.

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