If you are choosing a supplement plan to provide coverage for you alongside your Medicare insurance, then you probably want to go with a high coverage plan. These types of plans eliminate a lot of the complexity and confusion related to paying your medical bills. With the coverage from Medicare supplement Plan G in 2019, you won’t have many medical costs to worry about.
What Is Offered by Plan G
Plan G is considered to be one of the highest coverage supplement plans available. It will actually take care of most of the costs you would still have to pay for if you were just using Medicare’s coverage. Let’s look at exactly what the plan will cover for you.
If you need a high coverage plan, then you probably spend a lot of time in the hospital, and you probably have to have numerous tests and procedures performed when you are there. All of this is covered under Medicare Parts A and B, and Plan G takes care of most of it. It will cover you for 365 days of hospital care past what Medicare provides. And it pays for all of Medicare Part B’s excess charges.
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In addition, you will also be covered for expenses such as three more pints of blood and foreign medical exchange costs. Not everyone needs these types of coverage, but for those who do, this coverage can save them quite a bit of money each year.
You will also be covered for nursing care, and all co-payments will be taken care of as well. The Medicare Part A deductible will be covered too.
What is not covered under Medicare supplement Plan G is the Medicare Part B deductible. This fee is charged annually.
How Plan G Compares to Other Plans
Plan G is one of the more expensive plans you can get, but it is definitely cheaper than the more popular Plan F. The only difference between these two plans is that Plan F covers that previously mentioned Part B deductible.
But many times what you will pay for Plan F is more than what you would pay for Plan G in 2019 and the deductible combined. Savvy consumers will shop around and find even better rates on the plan they choose to use to ensure that are saving the most money.
When you are looking for a supplement plan, look at all the costs involved and compare prices between providers. This will ensure you are getting the best deal on your plan.
But you also have to consider your physical condition. Those who have serious medical problems should consider a high coverage plan. Over time, this type of plan will save them the most money. For those who like the security and simplicity of Plan F, please consider Plan G instead. You are very likely to save some money, and as you will have the plan for many years, your savings can really accumulate.
Before choosing any plan, it is a good idea to examine both your financial situation and your physical condition. You will want to consider not only your present situation, but also your future one. If you expect your health to degrade over the next few years, then you may want to go with a plan that offers more coverage. And if your budget is very tight, you should try for a lower coverage plan to see if it can offer you what you need at a reduced price. Medicare supplement Plan G in 2015 may not be right for everyone, but it can definitely help a number of people to save money.