Medicare Plan F and Plan G Differences

One of the most comprehensive Medicare supplement plans out of the 10 Medigap plans is Plan F. This plan is available in most of the United States. Being a comprehensive Medicare supplement plan, it helps a Medicare recipient to help cover their out of pocket costs after the Original Medicare pays its amount. This being said, this an Aetna Medicare supplement plan may have premiums that will cost more. After Medicare Part A and Medicare Part B pays out the amounts for the hospital facility and physician costs that they allow, those that have Medicare supplement Plan F will probably not have any more health costs to pay.

Benefits of Medicare Supplement Plan F:
Medicare Part A deductible
Medicare Part A hospice care coinsurance or copayment
Medicare Part A hospital care and coinsurance costs up to an extra 365 days after Medicare benefits are gone
Medicare Part B deductible
Medicare Part B excess charges
Medicare Part B coinsurance
First three pints of blood needed in a medical procedure, each year
Nursing facility coinsurance
Foreign health care up to 80%

Medicare Supplement Plan G:
Medicare Supplement Plan G is almost the same as Medicare Supplement Plan F. These two plans will give the most benefits to fit a senior’s medical needs as opposed to the other plans available in other states. The main difference between these two plans is that Medicare supplement Plan G does not cover the Medicare Part B deductible. If you desire this plan, you will be responsible for the deductible. As with other Medicare supplement plans, this plan helps with the 20% remaining medical costs not covered by Original Medicare.

Benefits of Medicare Supplement Plan G:
Medicare Part A deductible
Medicare Part A hospice care coinsurance or copayment
Medicare Part A inpatient hospital coinsurance up to 365 days after Original Medicare benefits are gone.
Medicare Part B coinsurance or copayment
Medicare Part B excess charge
Nursing home care coinsurance
First three pints of blood used in a medical issue for one year
Foreign health care up to 80%
Medicare Supplement Plan F and Medicare Part B excess charges

All the Medicare supplement plans are standardized and they are classified by the letters A-N. These plans are sold by private Insurance companies, such as Aetna, Blue Cross Blue Shield and many others. The plans are the same, but the premiums will vary from insurance company to insurance company. It is important to look carefully at all the plans.