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Understanding Medicare Plan G Supplemental Coverage

Key takeaways Plan G is a Medicare Supplement Insurance (Medigap) policy that helps cover out-of-pocket costs associated with Original Medicare (parts A and B), including copayments, coinsurance, and deductibles (except for the Medicare Part B deductible). Medigap Plan G provides 100% coverage for Part A coinsurance, hospital costs, Part A deductible, hospice care coinsurance, blood (first 3 pints), and skilled nursing facility care coinsurance, plus 80% coverage for foreign travel emergencies up to plan limits. Medigap Plan G does not cover prescription drugs, the Part B annual deductible, or benefits like dental, hearing, and vision that are not covered under Original Medicare. 'Medigap' is another term for Medicare supplement insurance. Medicare Supplement Plan G is extra insurance you can buy to help cover your portion of costs for medical services with Original Medicare, such as: copayments coinsurance deductibles (with the exception of the Medicare Part B deductible) Original Medicare includes Part A (hospital insurance) and Part B (medical insurance). Medigap Plan G is one of the most popular of the 10 Medigap policies because of its broad coverage, including coverage for Part B excess charges. Keep reading to learn more about Medicare Part G and what it covers. What are Medicare Part B excess charges? Medicare Part B only covers services from healthcare professionals who participate in Medicare. If you choose a doctor who doesn't participate in Medicare, they may charge up to 15% more than the standard Medicare rate. If your Medigap plan does not cover Part B excess charges, you will pay these charges — known as excess charges — out of pocket.