As of 2020, approximately 14.5 million Americans are enrolled in the Supplemental Medicare program. Medicare supplemental plans, also known as Medigap plans, are popular because they pay portions of medical bills that Original Medicare does not pay, such as copays or deductibles for Part A or Part B.
Plan G (an option available to new Medicare enrollees as of January 1, 2020) provides the closest available coverage to Plan F. Medicare Supplemental Plan G covers most out-of-pocket costs that Original Medicare does not pay, with one exception: your Medicare Plan B deductible. In 2022, this is $170.10.
Many seniors choose Medicare Supplement Plan G coverage because of its cost-effectiveness and overall coverage, but the entire process of finding a provider can be confusing and overwhelming, so we’re here to help. We’ve gathered the best medical insurance plans for Company G and compared them to give you the most comprehensive coverage as you complete your medical insurance journey. Each plan covers at least 40 states and is further checked based on price, ease of use, educational information, and more.
Medicare Supplemental Plan 2022 G Provider
Best Extra Benefits: Humana Best for Comparison Shopping: AARP Best Pricing: Aetna Best Detailed Plan Description: Cigna
Best for Easy Application: Omaha Mutual Aid
Association The most popular supplemental plan is Plan F, but as of January 1, 2020, Plan F is closed to new enrollees. However, if you are eligible to enroll in Medicare before January 1, 2020, you can still enroll in Supplemental Plan F.
Medicare Supplement Plan G ProvidersOur
First ChoiceHamana
AARPAAetna
Oxamaha Mutual
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How to Buy and Compare Medicare Supplement
What does Medicare Supplemental Plan G cover?
What is the difference between Plan F and Plan G of the Medicare Supplemental Plan?
Will Medicare Plan G disappear?
Is Plan G the Best Medicare Supplement?
What is the average cost of Medicare Plan G?
Does Plan G cover dentistry?
Can I keep my Plan G if I move to another state or country?
What is the difference between Plan G and Plan G with high deductible?
Methodology
Best Extra Benefits
Hamana
Humana
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Humana offers a range of additional benefits for those enrolled in Medicare Plan G, whether regular or high-deductible options. Premiums for regular plans vary by location and benefits. While high deductible plans are at the lower end of the expense range, you must first pay your deductible to receive benefits. A health plan called SilverSneakers offers vision and prescription discounts and a 24-hour nurse hotline.
Choose between a standard and a high deductible plan by determining if you currently have significant healthcare needs. If you do, it might make more sense to pay a higher monthly fee with no deductible.
Benefits
cover Medicare Plan A and Plan B coinsurance as well as skilled nursing facility care coinsurance
Easy to use website with clear explanation of information
Many additional benefits such as health plans
The downside
does not include the Medicare Part B deductible
It may not be that everyone needs some additional benefits (e.g., discounts on vision and hearing care).
You can purchase Medicare supplemental coverage from many providers in your state, but the Humana policy includes some benefits that other providers don’t offer, including a 24-hour nurse phone line, a SilverSneakers health plan, and even access to a Humana transplant center — which helps you navigate the complex world of transplant care and make informed decisions.
It also offers a personalized eye exam savings plan and a health rewards program called Go365, which rewards you for completing healthy behaviors such as getting a flu shot or taking an exercise class.
If you want a more personalized experience and concierge-like services throughout your Medicare Supplemental Plan experience, Humana is worth checking out.
AARP
Best for Comparison
ShoppingAARP
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AARP provides the easiest way to compare prices. Simply enter your zip code and you will be redirected to a page where you can see all the available plans. Whether it’s Medicare Benefits or a supplemental Medicare plan like Plan G or D, you can view the product without having to re-enter your information each time.
To view the list of available supplemental plans, you will need to enter additional data, such as your date of birth, the effective date of Medicare plans A and B, and the start date of your desired supplemental Medicare plan.
Pros:
Gather information in one place without overwhelming people
Easy-to-navigate website
Prices available for different locations
Cons:
Difficulty in getting customer service over the phone
No additional benefits
AARP breaks down each of the different areas of Medicare, allowing you to choose exactly what coverage you need. AARP is not an insurance company per se, but it is a great resource and offers its plans through insurance giant UnitedHealthcare.
Best Pricing
Aetna
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pricing can be difficult to estimate because everyone has different individual circumstances and costs can vary from state to state. Aetna offers competitive prices compared to other providers. As with other plans, there are standard options and high deductible options, and your monthly premium will be affected by your choices.
Pros:
All-inclusive premium
Plans are easy to compare
You only need to enter basic personal information once
Family discounts are available
Limited educational information available on the Cons
page
Unable to select and purchase plans directly from the comparison page; A phone is required
No additional benefits
While a quote is available online after entering personal details such as gender, postal code, date of birth, and program start date into the rate computer, the option to continue the process from there is not. You will need to create an account or call a representative to facilitate the underwriting process.
Apart from the family discount, this plan does not include any additional benefits. It only fills the gap in Medicare Part A and Part B coverage by the federal government (20 percent of the remaining cost of Medicare approval fees). If you need more discounts or extra support, it’s best to pay a little more to get the exact coverage you need.
Best Detailed Plan DescriptionCigna
Get a QuoteCignaQuoteCigna’s
Medicare Supplemental Plan G Option has its own page that breaks down coverage into a lot of detail. To get a quote, you need to enter your zip code and other personal details.
Pros
smooth, clean website with lots of educational information about plan options
A health information hotline staffed by nurses 24 hours a day is provided
For educational information on Plan G and Medicare, visit the website
Family discounts may be available.
Cons:
No need to enter personal contact information to make a quote or comparison
There are no other additional benefits
The family discount is not available in four states and only applies to spouses of Washington state residents
Cigna provides potential customers with a wealth of information, providing a wealth of detail and context for the coverage each of their plans and for each benefit. While this helps compare coverage, Cigna does not offer the ability to get a free quote without entering personal information such as age, gender, plan A and B start dates, and your current insurance status. You must also provide your email address and phone number so that Cigna can contact you to discuss your plan options.
If you’re fairly confident about Cigna as one of your final options, that’s a fair request, as most vendors will need this information at some point during the registration process. However, if you’re still not sure which plan to choose, you might find it disturbing to provide so much information to Cigna.
Family discounts are not available in Hawaii, Idaho, Minnesota, and Vermont.
Best for Easy App
Omaha
Mutual Aid Mutual_of_Omaha
Getting a Quote
The application process for Omaha couldn’t be easier. The front page details each of the different Medicare supplemental plans it has available, and it never leaves the page during the comparison.
ProsSimple
and clean website with reviews on the same page
A simple comparison process that requires only gender, date of birth and postal code
Family discounts are available
The price is moderate
Cons:
Multi-step process for online payments
Additional benefits are limited in addition to the family discount
Omaha Mutual prides itself on simplicity. It provides easy-to-read charts for services covered by Medicare Supplemental Plan G. It also allows you to create an account or apply as a guest so that comparisons can be made faster. Applying with either type of account requires information from your Medicare card, your Social Security number, and your medications to make an accurate estimate. You can also save your app and return to it later, but you must create an account to do so.
How to Buy and Compare Medicare Supplemental Plans Step
1: Determine your eligibility for Medicare Medicare
enrollment begins three months before you turn 65 and three months after you become eligible earlier due to disability. If you’re already on a Medicare Advantage plan, you can switch plans during the open enrollment period from January 1 to March 31.
Otherwise, you can register during the open registration period from October 15 to December 7 each year. After that, you will not be able to register, only the option to adjust the coverage you have already registered. Changes in coverage begin in January. Each vendor we look at does an eligibility check when they give you an estimate, which tells you if you’re eligible to sign up.
Step 2: Decide if you want to enroll in Medicare Parts A and B, or Medicare Advantage You
must be enrolled in both Medicare Parts A and Part B to be eligible for any Medicare supplemental plan. If you are enrolled in a Medicare advantage plan, you cannot enroll in a supplemental plan.
Step 3: Find out what Medicare supplemental plans are available in your area Not
every provider offers every supplemental plan, and not every provider has a plan available at every location. Most supplemental Medicare providers will ask for your zip code when you prepare a personalized estimate, which will notify you immediately if the provider covers your area.
Just because a plan covers your state doesn’t mean it covers your area, so make sure you enter your zip code correctly to see what plans are available in your county.
Step 4: Determine If You Want a Regular or High Deductible Plan As
you might have guessed, a G plan with a high deductible has higher out-of-pocket costs than a regular G plan but has a lower monthly premium. It’s important to do your homework; The trade-off is that for a high-deductible Plan G, there is a chance that an additional amount will have to be paid before receiving benefits (2,490 for 2022). You need to determine the best option for your budget, and if paying higher monthly premiums is worth it for you, you won’t have to pay out-of-pocket costs throughout the year.
Step 5: Check the plan pricing and coverage
costs are often the deciding factors for many purchases. Different providers may have different costs for the same care, and some may exceed the basic level of care required by law.
The federal government mandates coverage by all Medicare Supplement Plan G. All plans will cover the same basic elements: nursing home care, long-term residential care, blood transfusions, etc. Some vendors may offer more, but these plans may cost more.
Step 6: Get expert advice
Insurance brokers or advisors can be a valuable asset. They have more access and knowledge than the average person, and they can sometimes negotiate better prices or at least provide additional guidance throughout the insurance buying process. Also, using a broker or advisor will not increase your costs because they receive commissions from insurance companies. In addition, insurance brokers have strict rules set by the government to ensure that the process is handled easily and fairly for you, the customer.
Step 7: Sign up for insurance
Once you’ve decided which Supplemental Plan G is right for you, you can register directly with your insurance provider, usually online or over the phone. Remember: During Medicare’s open enrollment period, anyone eligible can enroll in Medicare and choose any supplemental coverage they may need.
What does Medicare Supplemental Plan G cover?
Medicare Plan G covers almost everything that Original Medicare doesn’t. It does not expand the coverage of care, it just expands the coverage included. Plan G coverage includes 80% of the remaining expenses not covered by Original Medicare, including Part A and Part B copays and Part A deductibles. Another big difference: Plan G does not cover the Part B deductible, which needs to be met. However, that payment also counts toward the Plan G deductible.
The Plan B deductible for 2022 is $233, so you’ll have to pay at least that much, but that means you can also subtract that amount from your expected Plan G deductible.
What is the difference between Plan F and Plan G of the Medicare Supplemental Plan?
There are some differences between Plan F and Plan G, Plan F covers Plan B deductibles while Plan G does not, but Plan F was phased out on January 1, 2020. Plan F is now only available to those who qualify for Medicare before that date. Plan G is a popular alternative because both offer the same coverage except for the Plan B deductible.
You can switch Medicare supplemental plans at any time by submitting a new application. In most states, you must answer medical questions to be approved. Call your provider to find out if you need to fill out a healthcare questionnaire to switch.
Will Medicare Plan G disappear?
Not in the foreseeable future. Plan F was phased out on January 1, 2020, but Plan G is designed to replace it.
Is Plan G the Best Medicare Supplement?
It really depends on what you want. Let’s say you’re looking for a comprehensive supplemental plan for basic health insurance. In this case, Plan G is a good option for coverage that fills gaps not provided by Original Medicare, especially if you recently qualified for Medicare and were unable to enroll in Plan F.
However, if you want more bundled coverage, dental or vision coverage, or don’t think you need the benefits that Plan G offers (such as extended hospital or hospice care), another Medicare plan may be better for you.
What is the average cost of Medicare Plan G?
The cost depends on your situation, location, health history, and the carrier you choose.
Does Plan G cover dentistry?
No. Some providers may offer dental discounts, but dental coverage is not included in Plan G.
Can I keep my Plan G if I move to another state or country?
If you move to another state and your plan’s supplemental plan G is available at your new location, you can keep your plan. If it’s not available at your new location, you may need to change plans or providers if another company offers Plan G coverage in your new region. If you move to another country, you can keep your health insurance plan G coverage, even though it doesn’t cover care outside of urgent care visits — and after the $250 deductible.
If you plan to move back to the United States, it may be worth keeping Medicare Plan A and B, although Plan B may incur higher premiums. It depends on how long you plan to leave and your other insurance options in your new home country.
What is the difference between Plan G and Plan G with high deductible?
The difference between a regular G plan and a high deductible G plan is the deductible and duration of coverage. With Standard Supplemental Plan G, you get coverage immediately and only be responsible for the $233 Part B deductible, plus your monthly premium. With High Deductible Plan G, your coverage begins once you pay the $2,490 deductible and then covers all future out-of-pocket expenses.
Determining which one is best for you depends on your situation and whether you need coverage for Plan G right away or whether it makes more sense to pay lower premiums until you reach a higher deductible.
How We Choose the Best Medicare Supplemental Plan G Company
When we set out to select five of the best Medicare supplemental plan G providers, our first consideration was geographic coverage. We make sure that the plans we mention here cover at least 40 states in order to provide as much coverage as possible to as many people as possible. From there, we identified the five best plans by researching pricing, ease of use of the website and app, educational information, additional benefits, and more.
We do not offer all plans available in your region. Any information we provide is limited to the programs we offer in your region. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day, 7 days a week for information on all your options.
