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Medigap Plan G is the most popular plan selected by seniors turning 65 and opting for Medicare Supplement insurance. According to the 2023 Medigap Price Index a man in Dallas could pay as little as $112 monthly (2023) or as much as $312. Here are tips for finding the best Medigap Plan G plan from the American Association for Medicare Supplement Insurance.
Medicare is national. But Medicare plan options are local. For that reason the Association strongly recommends you speak with one (or two) local Medigap agents. We make available the leading national directory that lists them. Access it for free. The only information you’ll enter is your Zip Code. Just enter your Zip Code in the white box (on the right).
Medigap Plan G is a type of Medicare Supplement insurance plan that provides coverage for certain out-of-pocket costs that are not covered by Original Medicare. It is one of the standardized Medigap plans offered by private insurance companies in the United States.
Over half (51%) of seniors turning 65 who purchase Medigap enroll in Plan G. See the Medigap plans selected by seniors published by the American Association for Medicare Supplement Insurance.
Plan G does not cover the Medicare Part B deductible, which is $226 in 2023. Once you meet the Part B deductible, Plan G will cover 100% of the remaining costs for Medicare-approved services.
In addition to covering the Part B deductible, Medigap Plan G also covers:
– Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted
– Part A hospice care coinsurance or copayment
– Part B coinsurance or copayment
– The first three pints of blood for a medical procedure
– Skilled nursing facility care coinsurance
– Foreign travel emergency care (up to plan limits)
It’s important to note that Medigap plans are only available to individuals who are enrolled in Original Medicare (Part A and Part B). You cannot enroll in a Medigap plan if you have a Medicare Advantage plan.
Each year the Association reports the lowest and highest costs for Medigap plans. Click to see 2023 Medigap Lowest Prices for top-10 U.S. metro areas.
Here are costs for a male turning age 65 and a female turning age 65.
|Dallas (Zip 75001)||LOWEST MONTHLY||HIGHEST MONTHLY|
|MALE age 65 Non-tobacco||$112.27 (+)||$312.18 (+)|
|FEMALE age 65 Non-tobacco||$ 99.38 (+)||$278.73 (+)|
|San Francisco (Zip 94105)||LOWEST MONTHLY||HIGHEST MONTHLY|
|MALE age 65 Non-tobacco||$122.00 (+)||$208.08 (+)|
|FEMALE age 65 Non-tobacco||$122.00 (+)||$208.08 (+)|
|Philadelphia (Zip 19050)||LOWEST MONTHLY||HIGHEST MONTHLY|
|MALE age 65 Non-tobacco||$143.50 (+)||$257.85 (+)|
|FEMALE age 65 Non-tobacco||$127.67 (+)||$232.30 (+)|
|Phoenix (Zip 85033)||LOWEST MONTHLY||HIGHEST MONTHLY|
|MALE age 65 Non-tobacco||$123.83 (-)||$532.72 (+)|
|FEMALE age 65 Non-tobacco||$109.62 (-)||$470.61 (+)|
Start getting information 3 months before turning 65. Medicare allows people to change plans. But Medigap insurers typically only offer plans without health questions when you turn 65. So, it’s very important that you pick the right Medigap insurer. You may not be able to always change in the future. This can take time. Especially if you live somewhere where 20 or more different insurers offer Plan G coverage.
Learn how many insurers offer Plan G in your area. Good Medicare insurance agents will have access to online systems that tell them all the companies offering plans in a specific Zip Code. You won’t want an agent to compare them all. But, it’s a really good question to see if the agent knows his or her stuff. And, if they are going to be willing to work to find you the best plan (or just the one they want to sell you).
Ask about discounts that may apply in the future. Many insurers today offer ‘household’ discounts. These can range from 5 or 6% to as much as 14%. Typically both spouses don’t turn 65 at the same time. But the discount can really save you both money. Ask about them and the specific rules, like when they start. And, will both spouses save if they have different plans.
Request a history of rate increases. Insurance companies can raise rates. And, typically they will. So, that lowest rate today could be more costly a few years from now. Insurers publish a history of rate increases. And a good agent will know how to get a copy and will willingly share it with you.
Check into added free benefits like gym memberships. Many plans will offer added benefits that can be worth hundreds of dollars. They will vary from plan to plan. But are well worth asking about when comparing plans.
Speak with one or more local Medigap agents. A local Medigap agent will know plans available in your area. Some will mainly focus on one insurer. Others will tend to favor a few. But there can be 20 or more. So ask for names of the insurers they sell. Be sure you hear names like UnitedHealthcare, Aetna, Mutual of Omaha. Don’t overlook asking if Blue Cross and Blue Shield offer plans in your state. They can be excellent options.
Ask about future rights to change insurers. This is important. Because the rules will vary by State. You don’t plan to change when buying coverage. But, things change. Understand what you can and cannot do. Ask if your state has a Birthday Rule. This may allow you to switch without undergoing health questions.
Get important information in writing. Verbal information is not binding when it comes to insurance. Only written information matters. Make sure you get important information in writing.
Click on the links to obtain more Medicare insurance information.
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Find the best Medicare insurance plan information from the American Association for Medicare Supplement Insurance.