Medicare Supplement Insurance Plan G

Plan G covers most of the costs you'd have to pay for Medicare-approved medical expenses. It also offers all the benefits of Plan F except for the Medicare Part B deductible.

Medicare Supplement Plan G offers basic Medicare benefits including:

• Hospitalization: pays Medicare Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
• Medical expenses: pays Medicare Part B coinsurance—generally 20% of Medicare-approved expenses—or copayments for hospital outpatient services
• Blood: pays for the first 3 pints of blood each year
• Hospice care: pays Medicare Part A coinsurance

Además de los beneficios básicos, el plan G también ofrece cobertura para:

• Deducible de la Parte A de Medicare
• Coaseguro de atención en instalaciones de enfermería especializada
• Cargos que superan la Parte B de Medicare (ésta es la diferencia entre lo que un médico o proveedor le cobra y el monto que Medicare pagará hasta el monto límite de Medicare)
• Foreign travel emergency medical help (up to plan limits)

Plan G also has a high-deductible plan option. With this option, you must pay for Medicare-covered costs (coinsurance, copayments and deductibles) up to the deductible amount of $2,800 in 2024 before your plan pays anything. You must also pay a separate deductible ($250 per year) for foreign travel emergency services.

Las pólizas de deducible alto tienen primas más bajas, pero si usted tiene que usar sus beneficios, es posible que tenga costos de desembolso personal más altos.