Medicare Supplement Plan G

Very similar to Plan F, Plan G also pays Medicare Part B excess charges and offers all of the benefits available in Plan A and Plan C. The only difference is that you will be responsible for paying your Part B deductible. Plan G includes:

• Medicare Part B excess charges at 100%
• Hospitalization copayments and coinsurance
• 365 additional days of hospitalization after Original Medicare benefits end
• The first three pints of blood you receive from a blood bank each year
• Other medical expenses for Medicare-approved services and supplies
• Coverage for your Original Medicare Part A deductible
• Skilled nursing facility care – up to 100 days
• Foreign travel emergency medical care – 80% of the costs up to a $50,000 lifetime maximum

Hospitalization Coverage

Medicare Supplement Plan G covers semi-private room and board, general nursing and miscellaneous services and supplies. Here’s an example of how this plan works with Original Medicare to help pay for your hospitalization stay.

• First 60 days of hospitalization – Original Medicare pays all of your costs except your $1,484 deductible.
• Days 61 to 90 – Plan G covers $371 a day.
• Day 91 through 60 lifetime reserve days* – Plan G covers $742 a day.
• Up to 365 additional days (after day 91 through 60 lifetime reserve days) – Original Medicare does not pay any of your costs. Plan G covers 100% of your Medicare-eligible expenses.

*After 90 days of staying in a hospital, Original Medicare provides 60 lifetime reserve days. During these 60 days, Original Medicare pays all of your covered costs (except for your daily coinsurance). Lifetime reserve days can only be used once. When you run out of them, Original Medicare will not renew them.

Hospice Care Benefits

To qualify for hospice care coverage, you must meet Medicare’s requirements, including a doctor’s certification of terminal illness.

Original Medicare pays for most of your hospice care costs except for some copayments and/or coinsurance for outpatient drugs and inpatient respite care. Medicare Supplement Plan G covers these expenses.

Coverage for Medical Expenses

Medicare Supplement Plan G also helps you pay for some medical expenses. These costs include your Medicare Part B coinsurance (which is usually 20% of your overall Medicare-approved amount) and copayments for outpatient hospital services. Covered medical expenses include:

• Physician services
• Inpatient medical/surgical services and supplies
• Outpatient medical/surgical services and supplies
• Physical therapy
• Speech therapy
• Diagnostic tests
• Durable medical equipment

Skilled Nursing Facility Care

Original Medicare covers skilled nursing facility care for up to 20 days if you have been in a hospital for at least three days and enter a Medicare-approved facility within 30 days of your hospital discharge.

With Plan G, you are covered for up to 100 days. Here’s how it works:

• Days 1 to 20 – Original Medicare covers all approved amounts.
• Days 21 to 100 – Medicare covers all costs except $185.50 per day (Plan G covers that $185.50 per day).
• Days 101 and beyond – You have to pay 100% of the costs. Original Medicare and Medicare Supplement Plan G do not cover these costs.

Foreign Travel Emergency Medical Care

If you need medical care while traveling outside of the United States, Original Medicare won’t cover these costs. Plan G covers 80% of the costs for any medically necessary emergency care services during the first 60 days of each trip you take. You will also have a $250 deductible and a $50,000 lifetime maximum.

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