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. This website does not enroll you.
Common questions
- Is Plan G the same at every company?
- Core standardized benefits are designed to match by letter. Premiums, discounts, and customer service are not standardized. This site does not name a best company.
- Does Plan G include prescriptions?
- Generally no. Medigap works with Original Medicare. Outpatient drugs are usually a separate Part D plan.
My Medicare Checkup
Answer a few questions about your ZIP code, what matters about cost and doctors, and where you get care. The summary shows the questions those answers raise. Confirm each one with the office, the plan, or Medicare.gov. A listing in a directory, or the name of a plan, does not show whether a doctor is in the network, whether a prescription is covered, or what you would pay this year.
Start My Medicare CheckupYou will get a summary of the questions to verify. You can also talk it through with Alan.