Aetna Medicare Plan G
The Aetna Medicare Plan G is the most subscribed plan from the Supplement plans that seniors chose to purchase. There are 10 more plans but Plan G has its own worth and is one of the best choices of seniors for years. Medicare Plan G is an affordable and popular plan sold by a well-known insurance company Aetna. It offers coverage for numerous healthcare expenses that have previously made your budget tight. We will talk in detail about the coverage, eligibility, and what makes Aetna Medicare Plan G different from other insurance providers.
Expenses Covered by Plan G
Every Supplement plan by Medicare covers supplemental expenses and are different from each other. Some plans cover most of the healthcare expenses, whereas some give coverage for only a few. In comparison, Plan G has won the race and it covers almost all the medical costs that are called supplemental expenses. Check out the list below of the expenses that are covered by Aetna Medicare Plan G:
- Medicare Part B excess charges
- Medicare Part A hospice coinsurance or copayment
- Skilled nursing care coinsurance or copayment
- Medicare Part A deductible
- Medicare Part A copayment
- Medicare Part B copayment
- Three pints of blood, annually renewed
- Emergency medical transport in foreign countries
The only supplemental expense, that is not covered by Plan G is the Medicare Part B deductible. This deductible will cost you just $183 but the rest of the coverage will help you save hundreds of dollars each year. We believe that when once you purchase this plan, you won’t regret your decision throughout the year.
Medigap Plan G
Who are eligible for Plan G?
This plan is available for all those seniors who fulfill the eligibility requirements. To be eligible you need to be a US citizen of 65 years of age. If your age is not 65, then you must have the medical condition which makes you qualify for the plan. These medical conditions are end-stage renal disease and a few more disabilities. You should also hold an active Original Medicare plan to sign up for any Medicare Supplement plan. You can even apply for the subscription of both the plan together to save time but your Supplement coverage will only start when your Original Medicare plan is activated.
If you want to purchase Plan G from Aetna or any other insurer, you need to submit an application to that insurance company only. Although the Supplement plans are the product of Medicare but you cannot purchase it directly from it as the private insurance companies like Aetna are authorized to sell them.
Who Needs Plan G?
Seniors who are suffering from many medical problems and require more finances. As Plan G covers most of the supplemental expenses, it is not less than a perfect choice for such seniors who want more coverage. This full-coverage plan covers almost those expenses that you were previously paying from your own pocket. Because of the high coverage, it is comparatively expensive as well and is not a good choice for those who are relatively good in health and have a low budget. Although it is expensive than other plans but the coverage it is giving in return adds value to it.
To know, whether this plan is suitable for you or not, you need to look into your medical expenses and budget. See if the Supplement Plan G covers all or maximum of the medical expenses that you might require in the upcoming year. You may also consult your doctor to find out what type of healthcare issues you and so that you can calculate your expenses and decide whether Plan G is a good fit for you or not. However, the discussion with your doctor won’t give you an accurate cost of your expenses but you can still have an idea about it.
Comparison of Plan G
It is better to make a comparison before making a final decision. There are some more Supplement plans that are somewhat similar to Supplement Plan G and you might want to consider any of those due to price or coverage. Paying a lot of money for a plan like Plan G is useless if you don’t require so much coverage. Let discuss some more Medicare Supplement plans that are also offered by Aetna.
Plan F – this plan is a bit costlier then Plan G. Though it covers almost save supplemental expenses like Plan G but it also covers deductible of Medicare Part B. the amount of $183 as a deductible is also covered annually with this plan.
Plan N – this plan offers slightly lower coverage than Plan F and Plan G. Purchasing this plan will make you pay the annual deductible, Part B excess charges, copayments, and the per visit doctor or hospital charges that cost around $20 – $50 each time from your own pocket. If you do not require all these expenses than Plan N would be a good fit.
We would suggest you compare all these plans and invest some of your time in the research to choose the best option. Don’t rely on recommendations as a plan that is perfect for anyone else might not suits you as everyone has different medical conditions and expenses. Aetna Plan G is a perfect fit for those seniors who have more medical expenses to pay every year. If this is the same in your case, then you are good to go.