Compare Medicare Supplement Plan G providers to find out which is right for you
We publish unbiased product reviews; our opinions are our own and not influenced by the compensation we get from advertising partners. Learn more about how we review products and read our advertiser disclosures on how we make money.
Almost 60 million Americans were enrolled in the Original Medicare and Medicare Supplement plans as of 2018. Medicare supplemental plans, also known as Medigap plans, are popular because they pay for the portion of your medical bills that Original Medicare doesn’t pay, such as co-pays or deductions for Part A or B. Now, Plan G—a new option for new Medicare enrollees starting Jan. 1, 2020, provides the closest coverage to Plan F available. Medicare Supplemental Plan G covers most out-of-pocket costs that original Medicare doesn’t cover, with one exception: your Medicare Plan B deductible. In 2020, that figure is $198.
Many seniors choose Medicare Supplement Plan G coverage because of its cost-effectiveness and comprehensive coverage. But the whole process of finding a provider can be confusing and overwhelming, so we’re here to help. We’ve rounded up the best health insurance plan G companies and compared them to give you the most comprehensive view of possible coverage on your health insurance journey. Each plan covers at least 40 states and is further scrutinized based on price, ease of use, educational information, and more.
2021 Medicare Supplemental Plan G Providers
- Best perk: Centaurs
- Best for Comparison Shopping: AARP
- Best pricing: Aetna Insurance
- Best Detailed Plan Description: Cigna
- Easiest to Use: Omaha Mutual Insurance
The most popular supplemental plan is Plan F, but as of January 1, 2020, Plan F is closed to new enrollees. However, if you were eligible to enroll in Medicare before January 1, 2020, you can still enroll in Supplemental Plan F.
Medicare Supplemental Plan G Providers
- Aetna Insurance
- Omaha Mutual Insurance
- How To Shop And Compare Medicare Supplemental Plans
- Common Problem
Humana offers a range of additional benefits, both regular and high-deductible, for those enrolled in Medicare G plans. Premiums for regular plans vary by location and benefits. While high-deductible plans will be at the lower end of the cost spectrum, you must pay the deductible first to receive benefits ($2,340 in 2020). With a health plan called SilverSneakers, discounts on vision and prescriptions, and a 24-hour nurse hotline, you won’t find a better extra than Humana.
Choose a plan between standard and high deductibles to determine if you have a current significant health care need. If you do, it might make more sense to pay a higher monthly fee with no deductions.
- Covers Medicare Plan A and Plan B coinsurance and skilled nursing facility nursing coinsurance
- Easy to use website with clearly explained information
- Many additional benefits such as health plans
- Does not include Medicare Part B deductibles
- Not everyone needs some extra perks (such as discounts on vision and hearing care)
- Do not send messages to customer service through the customer account portal
You can buy Medicare supplements from many medical providers in your state, but Humana’s policy includes some perks that other providers don’t, including a 24-hour nurse phone line, Silver Sneakers health plan, and even access to Humana transplant centers, This helps you navigate the complex world of transplant care and make informed decisions. It also offers personalized savings plans for eye exams, over-the-counter medications, massage therapy, and weight loss programs.
If you’re looking for a more personalized experience and concierge service like the experience in your Medicare supplement plan, Humana is worth checking out.
BEST FOR COMPARISON SHOPPINGAARP
AARP provides the easiest way to compare prices. Just enter your zip code, date of birth, and gender and you will be redirected to a page where you can view all available plans, which means all plans, whether it’s Original Medicare, Medicare Advantage, Or a supplemental health insurance plan (such as Plan G) without having to re-enter your information each time.
- Information gathered in one place, not overwhelming
- easy-to-navigate website
- Offer prices for different locations
- Difficulty getting customer service over the phone
- no additional benefits
Insurance is an important decision, and AARP works hard to help you make those choices, so it breaks down each of the different areas of health insurance to let you choose exactly what coverage you want. AARP is not an insurance company itself, but it is a huge resource and offers its plans through insurance giant UnitedHealthcare.
BEST PRICINGAetna Insurance
Pricing can be difficult to estimate because everyone has a different personal situation and costs can vary from state to state. Aetna’s pricing is very competitive compared to other suppliers. As with other plans, there are standard options and high-deductible options. Your monthly premium will be affected by your choices, but Aetna’s prices are still pretty low, starting at $135 a month (other plans can go over $200+).
- All-inclusive premiums start at $135 per month
- Plans are easy to compare
- Only need to enter basic personal information once
- Offers family discounts
- Limited educational information available on the page
- Cannot select and purchase plans directly from the comparison page; requires a call
- No additional benefits
Aetna may be easier to navigate, but once you find the information you need, you’ll see some of the lowest prices on plan G products (about $100/month, or less for a family discount). The high-deductible plan starts at $60 per month, with a provision to pay the deductible first ($2,340). While a quote is available online, the option to continue the process from there is non-existent; you will need to create an account or call a representative to advance the underwriting process.
Apart from the family discount, this plan does not include any additional benefits. It only fills the federal gap in Medicare Parts A and B (20% of the remainder of Medicare-approved fees). If you need more discounts or extra support, it’s best to pay a little more to get the exact coverage you need.
BEST DETAILED PLAN DESCRIPTIONCigna
Cigna’s Medicare Supplemental Plan G option has its page that breaks down coverage into many details, with plenty of explanation. You don’t have to enter a zipcode or any other personal information.
- A smooth, clean website with lots of educational information on plan options
- Provides a 24-hour health information line staffed by nurses
- For educational information on Plan G and Medicare, visit the website
- Family discounts available
- No personal contact information is entered and must not be quoted or compared
- No other extra benefits
- Family discount not available in eight states, only for spouses of Washington State residents
Cigna provided potential clients with a wealth of information, providing a great deal of detail and context for each plan, as well as coverage for each benefit. While this helps compare coverage, Cigna doesn’t offer the ability to get a free quote. Or at least A B start date and your current insurance status without entering personal information like age, gender, plan. You must also provide your email address and phone number before having Cigna contact you to discuss your plan options.
If you’re reasonably confident that Cigna is one of your last options, this is a fair request, as most providers will require this information at some point during the registration process. However, if you haven’t decided which plan to choose, you may find it disconcerting to provide so much information to Cigna.
Family discounts are not available in California, Washington, DC, Florida, Hawaii, Idaho, Minnesota, New Jersey, and Vermont.
EASIEST TO USEOmaha Mutual Insurance
The Omaha application process couldn’t be easier. The front page details each of the different Medicare supplement plans it has available, and it never navigates away from that page during the comparison process.
- Simple, clean website and reviews available on the same page
- Simple comparison process that only requires gender, date of birth, and zip code
- Offers family discounts
- fair price
- No high deductible plans offered
- Multi-step online payment
- Limited perks beyond the family discount
Omaha Mutual Bank prides itself on simplicity. It provides an easy-to-read chart for services covered by Medicare Supplement Plan G. It also allows you to create an account or apply as a guest, which allows for faster comparisons. Applying for either account requires your Medicare card, Social Security number, and medication information for an accurate estimate. You can also save your application and return it later, even if you don’t have an account at the time of application.
With all that ease, you could almost expect it to be more expensive, but that’s not the case: For Plan G, Omaha Mutual’s benchmark valuation is just over $100 (or just under $100 at a discount), at Plan G ( $100 to $250 ) at the low end of the average range.
How to choose and compare Medicare Supplement Plan G;
Step 1: Determine if you are eligible for health insurance
Eligibility for Medicare begins three months before you turn 65 and extends for the next three months unless you qualify early due to disability. Otherwise, you can enroll during the Open Enrollment Period, which runs from September 7th to October 15th, 2020. After that, you will not be able to enroll and will only have the option to adjust the coverage you have enrolled in. Changes to insurance coverage will begin in January. Every provider we looked at had an eligibility check when they offered you an assessment, which will tell you if you are eligible to enroll.
Step 2: Decide if you want to enroll in Medicare Parts A and B, or Medicare Advantage
Before you can qualify for any Medicare supplement plan, you must be enrolled in both Medicare Parts A and B. If you choose to participate in the Concessionary Program, you cannot participate in the Supplementary Program;
Step 3: Find out what Medicare supplement plans are available in your area
Not every provider offers every supplemental plan, and not every provider has plans available everywhere. Most Supplemental Health Insurance Providers When you’re ready for a personalized estimate, we’ll ask for your zip code, which will let you know immediately if a provider covers your area.
Just because a plan covers your state doesn’t mean it covers your area, so make sure you enter the correct ZIP code to see available plans in your county.
Step 4: Decide if you want a regular or high deductible plan
As you might have guessed, Plan G with a high deductible has higher out-of-pocket costs than regular Plan G, but a lower monthly premium. Doing your homework is important; the trade-off here is that for a high-deductible Plan G, there may be an additional amount ($2,340 in 2020) that you’ll have to pay before getting the benefits of a Plan G. You’ll need to determine the best option for your budget and not have to pay out-of-pocket costs throughout the year if paying a higher monthly premium is worth it for you.
Step 5: Check plan pricing and coverage
Cost is often a determining factor in many purchases. Fortunately, we’ve taken the guesswork out of the price comparison, so you can rest assured that the plans offered here have been measured for their cost and efficiency. Different providers may have different rates for the same care, and some providers may exceed the basic level of care required by law.
The federal government requires all Medicare Supplemental Plan G coverage. All plans will cover the same basics: nursing home care, extended hospital care, blood transfusions, and more. Some providers may offer more, but these plans may cost more.
Step 5: Seek expert advice
An insurance broker or advisor can be a valuable asset. Not only do they have more access and knowledge than the average person, but they can sometimes negotiate better prices, or at least provide additional guidance throughout the insurance buying process. Plus, using a broker or advisor is completely free as they are paid for by the insurance company. Additionally, insurance brokers have strict rules, set by the government, to ensure that the process is easy and fair to deal with you, the client.
Step 6: Sign up for insurance
Once you’ve decided which Supplement Plan G is right for you, you can sign up directly with the insurance company, usually online or over the phone. Remember: During the Medicare open enrollment period, from September 7 to October 15, 2020, anyone who is eligible can enroll in Medicare and choose any supplemental coverage they may need.
What does Medicare Supplemental Plan G include?
Medicare Plan G covers almost everything that the Original Medicare does not. It doesn’t expand medical coverage, it just expands coverage. Plan G coverage includes 80% of additional costs not covered by original health insurance, including the common cost of Parts A and B and the Part A deductible. Another big difference: Plan G doesn’t include a Part B deductible, which needs to be met. However, the money also counts towards the G plan’s deductible.
The 2020 Plan B deductible is $198, so you’ll be paying at least that much, but that means you can also subtract that amount from your Plan G deductible.
What is the difference between Plan F and Plan G for Medicare Supplement?
For Medicare supplement companies, there are some differences between Plan F and Plan G. Plan F includes a Plan B deductible, Plan G does not, but Plan F will be phased out starting January 1, 2020. Plan F is now only available to those who were eligible for Medicare by this date. Plan G is a popular alternative because both offer the same benefits except for the deductible of Plan B.
You can switch Medicare Supplementary plans at any time by submitting a new application. In most states, you must answer medical questions to be approved. Please call your healthcare provider to find out if you need to complete a healthcare questionnaire to make the switch.
Is the health insurance plan going to be canceled?
Not anytime in the foreseeable future. Plan F was phased out from January 1, 2020, but Plan G intends to replace it.
Is Plan G the Best Medicare Supplement?
It depends on what you want. Let’s say you’re looking for a comprehensive basic course Medicare supplement plan. In this case, Plan G is a great option for coverage that fills gaps not provided by your original Medicare, especially if you’ve recently become eligible for Medicare insurance, and cannot enroll in Plan F. However, if you want more bundled coverage or dental or vision coverage, or don’t think you’ll need the benefits that Plan G provides (like extended hospital or hospice care), another Medicare plan may be better for you.
What is the average cost of Medicare Plan G?
G plans start around $100 a month and go up to around $200, but the cost depends on your situation, location, health, and the carrier you choose.
Does Plan G include dental?
no. Some medical institutions may offer dental discounts, but dental insurance is not included in the G plan.
Can I keep my G plan if I move to another state or country?
If you move to another state and your plan’s supplemental Plan G is available in your new location, you can keep your plan. If not available in your new location, you may need to switch plans or providers if other companies offer Plan G coverage in your new area. If you move to another country, you can keep your Medicare Plan G coverage, although it doesn’t cover care other than hospital visits, which is after the $250 deductible. If you plan to move back to the US, it may be worth keeping Medicare Plans A and B, although Plan B may incur higher premiums. It depends on how long you plan to be away, and your other insurance options in your new home country.
What is the difference between a G plan and a G plan with a high deductible?
The difference between Regular Plan G and High Deductible Plan G is the deductible and the length of coverage. With a standard Supplement Plan G, you’ll be covered immediately and only responsible for the $198 Part B deductible, plus your monthly premium. For high-deductible plan G, your coverage begins once you’ve paid the $2,340 deductible, which will cover all future out-of-pocket costs. Determining which one is best for you depends on your situation and whether you need the coverage that G provides right away, or whether it makes more sense to pay a lower premium before a higher deductible is met.
How We Choose the Best Medicare Supplemental Plan G Company
When we set out to pick the five best Medicare Supplemental Plan G providers, our first consideration was geographic coverage. We made sure the plans we mentioned here cover at least 40 states to reach as many people as possible. Based on this, we identified five best plans by researching pricing, ease of use of the website and app, educational information, perks, and more;