Medicare Plan G High Deductible
Medicare Plan G High Deductible include cost-sharing features. High deductible plans offer lower premiums while still receiving dependable coverage.
In fact, The high deductible Medicare Supplement insurance plan pays the same benefits as Plan G. AFTER you have paid the annual deductible of $2,700. Benefits from the Medicare Plan G High Deductible will not begin until out-of-pocket expenses are more than $2,700.
What’s is included with Medicare Plan G High Deductible?
- The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
- $226 Part B Medicare deductible (2023)
- Your Part B coinsurance and the cost of the first three pints of blood
- 100 percent of Part B physician charges that are in excess of the Medicare-approved amount . (By law, no physician may charge more than 115 percent of Medicare-approved amounts).
- Skilled nursing facility copayment
- Hospice care
- Foreign travel emergency care
Medicare Part A Coverage:
| Services | Medicare Pays | After You Pay $2,700 Deductible**, Plan G Pays |
After You Pay $2,700 Deductible**, You Pay |
|---|---|---|---|
| HOSPITALIZATION*: Semi-private room and board, general nursing, and miscellaneous services and supplies | |||
| First 60 days | All but $1,600 | $1,600 (Part A Deductible) |
$0 |
| 61st through 90th day | All but $400 a day | $400 a day | $0 |
| 91st day and after: — While using 60 Lifetime Reserve days — Once Lifetime Reserve days are used: Additional 365 days |
All but $800 a day of Medicare eligible expenses | $800 a day 100% of Medicare eligible expenses | $0$0*** |
| Beyond the additional 365 days | $0 | $0 | All costs |
| SKILLED NURSING FACILITY CARE*: You must meet Medicare’s requirements, including having been in a hospital for at least three days and entered a Medicare-approved facility within 30 days after leaving the hospital | |||
| First 20 days | All approved amounts | $0 | $0 |
| 21st through 100th day | All but $200 a day | Up to $200 a day | $0 |
| 101st day and after | $0 | $0 | All costs |
| BLOOD | |||
| First three pints | $0 | Three pints | $0 |
| Additional amounts | 100% | $0 | $0 |
| HOSPICE CARE: You must meet Medicare’s requirements, including a doctor’s certification of terminal illness | |||
| All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care | Medicare copayment/coinsurance | $0 | |
Medicare Part B:
| Services | Medicare Pays | After You Pay $2,700 Deductible**, Plan Pays |
After You Pay $2,700 Deductible**, You Pay |
|---|---|---|---|
| MEDICAL EXPENSES—IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physicians’ services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment | |||
| First $226 of Medicare-approved amounts* | $0 | $226 (Part B deductible) |
$0 |
| Remainder of Medicare-approved amounts | Generally 80% | Generally 20% | $0 |
| PART B EXCESS CHARGES (above Medicare-approved amounts) | |||
| $0 | 100% | $0 | |
| BLOOD | |||
| First three pints | $0 | All costs | $0 |
| Next $147 of Medicare-approved amounts* | $0 | $147 (Part B deductible) |
$0 |
| Remainder of Medicare-approved amounts | 80% | 20% | $0 |
| CLINICAL LABORATORY SERVICES—TESTS FOR DIAGONOSTIC SERVICES | |||
| 100% | $0 | $0 | |