High Deductible Plan G
High Deductible Plan G
High Deductible Plan G is identical to regular plan G but has a different payment structure. Learn more about the high deductible option for Plan G below.
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Details of High Deductible Plan G
Like High Deductible Plan F, your coverage for High Deductible Plan G begins after you meet the deductible. In 2021 the deductible is $2,370. This means you are responsible for all Medicare-covered costs, such as coinsurance, copayments, and deductibles up to $2,370. After that, the insurance company will pay.
Original Medicare vs. High Deductible Plan G
Hospital Inpatient Costs
Original Medicare
- Day 1-60 of an inpatient stay: Your annual deductible is $1484 with coinsurance
- Days 61-90: your cost of coinsurance per day is $371
- After Day 90: you pay a lifetime reserve day of $742
Medigap Plan G
- 100% of Medicare Part A coinsurance and hospital costs, up to an additional 365 days after Medicare benefits are used.
Part B Coinsurance
Original Medicare
- You are usually expected to pay 20%
Medigap Plan G
- 100% of Medicare Part B coinsurance or copayment
Blood
Original Medicare
- If the hospital has to buy blood for you, you must pay for the first 3 units of blood you get in a calendar year
Medigap Plan G
- 100% of first 3 pints of blood
Hospice Care Coinsurance/Copayment
Original Medicare
- You pay a copayment of up to $5 per prescription for outpatient prescription drugs for pain and symptom management.
- You pay 5% of the Medicare-approved amount for inpatient respite care.
Medigap Plan G
- 100% Part A Hospice Coinsurance or copayment
Skilled Nursing Facility (SNF) Care Coinsurance
Original Medicare
- Days 1-20 at SNF facility: no cost
- Days 21-100: you pay $185.50 per day
- Day 101 and after: You assume all costs
Medigap Plan G
- 100% SNF Coinsurance
Part A Deductible
Original Medicare
- Annual deductible: $1484 with coinsurance for days 1-60 of each benefit period.
- After Day 60: See Hospital Inpatient costs, above
Medigap Plan G
- Covers 100% of Part A Deductible
Part B Deductible
Original Medicare
- In 2021, the deductible for part B is $203. After you meet your deductible, Medicare generally covers 80% of the cost and you cover 20%.
Medigap Plan G
- No additional coverage
Part B Excess Charges
Original Medicare
- No out of pocket expense yearly limit
- After you meet your deductible, Medicare generally covers 80% of the cost and you cover 20%.
Medigap Plan G
- Covers 100% of Part B excess charges
Bonus: Up to 80% of coverage for foreign travel emergency
At Medicare With Jake, we can help you choose the best Medicare plan for you.
