Blue cross blue shield medicare supplement plan g cost

Q: Is Medicare Plan G cheaper than Plan F?

Even though it has similar coverage, Medigap Plan Gs monthly premiums are typically much less expensive than those for Plan F. In some cases, the difference in premiums between the two plans may be so large that you could save money by choosing Plan G, even after the Part B deductible.

Medicare Supplement Plan G

Plan G

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Medicare Supplement Plan G
Plan G Benefits
Plan G Rates
How Much Does Medicare Plan G cost?
What is the cost for Plan G for 2022?
Is Medicare Plan G cheaper than Plan F?
Does Blue Shield Plan G cover Medicare deductible?

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Plan G covers:

Your $1,556 Part A deductible and coinsurance
The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
Your Part B coinsurance and the cost of the first three pints of blood
80% of Part B physician charges that are in excess of the Medicare-approved amount (By law no physician may charge more than 115% of Medicare-approved amounts)
Skilled nursing facility copayment
Foreign travel emergency care

Plan G does NOT cover:

Your $233 Medicare Part B deductible

There is also a BCBSIL Medicare-Select Plan G that offers the same benefits as Standard Plan G but provides costs savings by agreeing to use a Medicare Select participating hospital for non-emergencies. You may still see any doctor you choose with Medicare-Select plans. If your hospital is part of the Medicare Select network, the Med-Select plan is a good option to consider.

Plan G Benefits

Benefit	What Plan G Covers
Part A Deductible You may need this benefit if you have to stay in the hospital. The Part A deductible is $1,556. This amount can change every year. You have to pay this deductible for each benefit period.	Plan G covers 100% of the $1,556 deductible.
Part B Deductible You may want to consider this benefit if you have Medicare Part B. Each year you must pay the Part B deductible before Medicare starts to pay its share. If you have this benefit, the Medigap plan would pay this amount each year.	Plan G does NOT cover the $233 Part B deductible, you must pay out of pocket.
Part B Coinsurance Without this benefit, you generally pay 20% of the Medicare-approved amount for Medicare Part B covered services and supplies (like doctor services and outpatient hospital care). This benefit will help you to reduce your out of pocket after Part B deductible.	Plan G covers 100% of the 20% remainder costs
365 Extra Days of Hospital Stay After you use all Medicare hospital benefits, you can receive up to 365 more days for hospital stays during your lifetime.	Plan G covers all of the costs for an additional 365 additional hospital days
3 Pints of Blood The first 3 pints of blood or equal amounts of packed red blood cells per calendar year, unless this blood is replaced.	Plan G covers all of the costs of 3 pints of blood per calendar year
Part B Excess Charges Under federal law, doctors who don’t accept “assignment” (take Medicare’s approved amount as payment in full) may charge up to 15% more than the approved amount. You might want to think about this benefit if your doctors don’t accept assignment. You may also want this benefit if you have to stay in the hospital and can’t control whether the doctors you see accept assignment.	Plan G covers 100% of the excess charges
Foreign Travel Emergency If you travel outside the United States, this benefit could save you money for emergency care.	Plan G covers 80% (after a $250 deductible) to a lifetime maximum benefit of $50,000.
Skilled Nursing Coinsurance Medicare pays for the first 20 days of a skilled nursing facility. If you need to go to a Skilled Nursing Facility (SNF) after a hospital stay and stay in the SNF longer than 20 days, this benefit begins.	Plan G covers up to $194.50 per day for days 21-100.
Home Health Care Home Health Care is skilled nursing care and certain other health care services you get in your home for the treatment of an illness or injury.	Not covered.

Plan G Rates

The following rates are for Illinois residents living in the following Counties:

Cook
DuPage
Kane
Lake
McHenry
Will

Plan	Age	Standard	Med-Select
G	65	$149.00	$134.00
	66	$157.00	$140.00
	67	$166.00	$153.00
	68	$177.00	$164.00
	69	$188.00	$170.00
	70	$198.00	$176.00
	71	$211.00	$180.00
	72	$223.00	$188.00
	73	$233.00	$196.00
	74	$245.00	$201.00
	75	$251.00	$205.00
	76	$257.00	$209.00
	77	$263.00	$213.00
	78	$271.00	$214.00
	79	$275.00	$216.00
	80	$279.00	$217.00
	99+	$332.00	$257.00

The following rates are for Illinois residents living OUTSIDE the following Counties:

Cook
DuPage
Kane
Lake
McHenry
Will

Plan	Age	Standard	Med-Select
G	65	$154.00	$142.00
	66	$162.00	$147.00
	67	$173.00	$155.00
	68	$186.00	$165.00
	69	$194.00	$174.00
	70	$205.00	$181.00
	71	$214.00	$187.00
	72	$224.00	$194.00
	73	$237.00	$203.00
	74	$248.00	$208.00
	75	$258.00	$210.00
	76	$264.00	$211.00
	77	$270.00	$213.00
	78	$278.00	$217.00
	79	$281.00	$219.00
	80	$285.00	$222.00
	99+	$340.00	$260.00

How Much Does Medicare Plan G cost?

Annual premiums for Medicare Plan G typically cost between $1,500 and $2,000. Some insurance companies offer extra perks and benefits for vision and dental care with Medicare Plan G.

What is the cost for Plan G for 2022?

How much does Medicare Plan G cost? Medicare Plan G costs between $120 and $364 per month in 2022 for a 65-year-old. You'll see a range of prices for Medicare supplement policies because each insurance company uses a different pricing method for plans.

Is Medicare Plan G cheaper than Plan F?

Even though it has similar coverage, Medigap Plan G's monthly premiums are typically much less expensive than those for Plan F. In some cases, the difference in premiums between the two plans may be so large that you could save money by choosing Plan G, even after the Part B deductible.