What Plan G is designed to help with
You keep Original Medicare (Parts A and B). Plan G is designed to help with many of the costs Original Medicare leaves behind — including the Part A hospital deductible, Part B coinsurance, skilled nursing coinsurance, blood, and Part B excess charges if a provider does not accept assignment. Confirm the current outline of coverage. Benefits can be described only in general terms here.
What is generally left out
Plan G generally does not pay the annual Part B deductible (you pay that). It does not include Part D prescriptions, and it generally does not add routine dental, vision, or hearing extras. You usually add a separate Part D plan if you need outpatient drugs.
Plan F is a different letter
Plan F is generally not available to people newly eligible for Medicare after January 1, 2020. People who already have Plan F may keep it. Plan G is the letter many newly eligible people compare instead. That is a structure note, not a pick.
Premiums are not the benefit
Companies price the same letter differently. Household discounts and rate history vary. Ask for the outline of coverage and confirm rules with the California Department of Insurance and Medicare.gov.