Medicare Supplement Plan G: The not-so-bad-looking sister of Plan F

You see twin sisters hanging out together, and if you look at just one of them, can you say that one of them is a little bit more mature? She just behaves a little better, seems to have more confidence, and a little more charisma. Then you meet them and you realize that the one who behaved slightly better seemed a bit more cared for than her sister.

Meet Medicare Supplementary Plan F and Medicare Supplementary Plan G. At first glance, Plan F is the clear winner. Both offer excellent coverage of gaps in regular Medicare coverage. In fact, Plan F covers all the deductible, co-insurance, co-pay and excess charge gaps in Medicare, so you do not have to pay out of pocket with this plan. Plan G, works almost identically (hence the dual analogy), but does not cover the deductible of Medicare Part B, which is your outpatient benefits (doctor visits, etc.).

So, why would someone choose Plan G over Plan F? Simple. It costs less. In many cases, you can save enough over the year to cover your Part B deductible (US $ 162 in 2011) and still be up by $ 100 a year.  Get a quote at


Generally, the following benefits are offered by Medicare Supplement Plan G:

  • Medicare Part B coinsurance / benefits
  • Deductible for Medicare Part A, i.e. $ 1,340 for each period of benefit in 2018. A benefit period typically begins on the day you are admitted to a hospital or nursing home and ends when you have not received inpatient care in a nursing home for 60 consecutive days.
  • Medicare Part Co-insurance (20% not paid by Medicare Part A) for hospital costs
  • Up to 365 additional hospital days after Medicare Part A benefit have been exhausted
  • Up to three (3) pints of blood
  • Co-insurance of care facilities (20% not paid by Medicare Part A)
  • Co-insurance or co-payments that Medicare Part A has not paid.

Even as you get older, the difference in price tends to get a little more noticeable. You could eventually see an annual savings of $ 200 or more for a Plan G (after completing Part B’s deductible).

So, you may not have the best-equipped Medicare supplement with Plan G, but you get the best value of Plan G (combination of benefit and premium) in most cases.

If you go down the smaller itinerary while exploring the feasibility of Plan G, you may be shocked to find that you are most likely to move forward with Plan G. More power for your money. You may find that even after paying the Part B deductible you end up saving $ 100 or more with Plan G. That does not seem like too much for many people, but every hundred dollars count when you’re retired and on a fixed income.

So, the next time you compare Medicare Supplement insurance plans, be sure not to leave Plan G out of your research because they just do not look as good as Plan F. They could ultimately be more of a guardian.