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3 vital things to know about the Medicare Supplement G plan

Medicare plans are a blessing in disguise for individuals who are in dire need of long-term care but do not have enough finances to undergo treatment on a regular basis. Medicare is the federal health insurance program meant for people who are 65 or older, younger people with specific disabilities, and individuals with End-Stage Renal Disease.

The Original Medicare, which includes Part A and B, offers extensive coverage, but it does not cover some procedures and treatments. In such cases, it becomes necessary to seek respite in various Medicare supplement plans. In a nutshell, these Medicare supplement plans cover the majority of procedures that are not covered by Medicare Part A and B.

If you’re facing a similar situation, you can opt for Medicare Supplement Plan G, which covers the full cost of the various out-of-pocket expenses such as coinsurance, copayments, and excess charges. Read on to know more about Medicare Supplement Plan G and how it can prove beneficial for you.

The extensive Medicare Supplement Plan G coverage
Medicare Supplement Plan G offers extensive coverage, and it covers the entire cost for the following:

Medicare Part A hospice care coinsurance or copayment.
Medicare Part A hospital coinsurance, and all the costs incurred up to 365 days after the Original Medicare benefits have been exhausted.
Medicare Part A deductibles
Excess charges of the Medicare Part B
Medicare Part B coinsurance or copayment
Skilled Nursing Facility (SNF) care coinsurance coverage
First three pints of blood for a medical procedure, in case the hospital has to buy it.
Emergency foreign travel, up to the plan limit.

Covers Medicare Part B excess charges
It has been asserted that the Medicare Supplement Plan G is quite similar to Plan F. It is the only Medicare Supplement, other than Plan F, that covers Part B excess charges. These excess charges are the additional expenses you might have to pay for healthcare if the Original Medicare doesn’t pay for it. The additional expense refers to the difference between what Medicare pays for a medical service and what the doctor charges you. However, when the doctors or providers do not accept the Medicare assignment, they can charge more than the Medicare-approved amount. In such cases, the Medicare Supplement Plan G covers these excess charges and reduces the out-of-pocket expenditure.

Cost and availability
Though the Medicare Supplement Plan G prices and benefits are standardized, the cost and availability of these plans will also depend on your location and the way that the insurance company prices the different Medigap premiums.

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