Medicare is among the most important investments you make. It covers the costs of several procedures or medicines during any health crisis, depending on the plan chosen. It allows everyone to receive the healthcare they need, irrespective of their income. Medicare plans are available in several parts, like Medicare Part A, B, C, D, G, and F. In this article, let’s look at what you should know about Medicare Part G.

What is Medicare Part G?

Medicare Part G covers all medical benefits that Original Medicare does not generally cover, except for outpatient deductible. So, Medicare Part G helps you pay for inpatient hospital costs, including blood transfusions, nursing, and hospice care. These plans provide you with benefits similar to Medicare Part F, but there’s one catch: in Part G, you will need to pay the Medicare Part B deductible in addition to the Plan G deductible. Medicare Part G is great for those who are willing to pay the Part B deductible separately and want to enjoy wide coverage.

How much does a Part G plan cost?

Medicare Part G plan costs generally depend on which state you live in. The costs are also influenced by your gender, the provider you choose, and tobacco usage. Men and tobacco users are usually charged more than women and non-tobacco users, respectively. The plan’s cost may also vary depending on the ZIP code of your area. Additionally, some insurers base their rates depending on how long you have been enrolled for Plan B.

What coverage does Part G offer?
Medicare Part G covers the following:

• Part A coinsurance and hospital costs for 365 days after standard Medicare benefits end
• Part A hospice care coinsurance or copayment
• Part A deductible
• Part B excess charges
• Part B coinsurance or copayment
• Up to three pints of blood every year for medical procedures
• Skilled nursing facility care coinsurance
• Limited medical care for foreign travel emergency

Plan G does not cover the costs of prescription medication, dentist visits, private-duty nursing, eye care, hearing aids, and long-term care. Other types of plans are available if you wish to have any of these concerns covered.

Who can enroll in these plans?

People above the age of 65 who have already enrolled in Medicare Parts A and B are eligible to enroll in Medicare Part G plans. It is also essential to note that they should not be enrolled in a Medicare Advantage Plan. You can contact any of your local providers to better understand your eligibility and for further guidance.

Which providers offer Medicare Part G coverage?
Here are a few providers you can check out to enroll for Medicare Part G benefits:

• Cigna
  Getting a good Medicare deal is easy with Cigna. All you need to do is add in a couple of details, and Cigna will offer you a personalized quote. If you’d rather talk to someone, they also have a phone line. Alternatively, you can also use the live chat option to get in touch with them.
• Humana
  You can get Medicare Part G plans at Humana depending on the state you live in. You can easily schedule an appointment and get in touch with an expert to understand your plans better, or you can simply call their number anytime between 8 a.m. to 8 p.m. Their Medicare Supplement Plan G covers 100% of the Medicare Part B excess charges.
• Aetna
  Aetna offers affordable plans, and it has an easy-to-navigate website where you can check the plans. You can also give them a call or request a free quote to understand your plans better before making a purchase. That said, you’ll have to enter your personal details to get a quote.