Medicare Supplement Plan G Plus



Medicare Supplement Plan G Plus

Plan G Plus

Our Rating: 5 stars

Plan G Plus covers:

  • Your $1,632 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 $240 Medicare Part B deductible

There is also a BCBSIL Medicare-Select Plan G Plus that offers the same benefits as Standard Plan G Plus 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 $1,632. This amount can change every year. You have to pay this deductible for each benefit period.
Plan G covers 100% of the $1,632 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 $240 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

BCBSIL Plan G Plus Option

Beginning February 1st, 2021 all three Blue Medicare Supplement Plan Gs (Standard, Select, and High Deductible) have Plus options. Medicare Supplement Plan G Plus plans have the same medical coverage and provider network as their regular versions as well as additional benefits and programs included so members can get more out of their Blue Medicare Supplement insurance plans.

Additional benefits and programs include dental, vision, hearing, and fitness.

BCBSIL Medicare Supplement –  Plan G Plus Benefits

Benefit Description Member Pays
In-Network
Member Pays
Out-of-Network
Dental Preventative Services

  • Cleanings, 2x per calendar year
  • Oral Exams, 2x per calendar year
  • Dental x-rays, 1x per calendar year

Oral Cancer Screening, 1x per calendar year

Extractions (unlimited)

Restorative (filings), 1x per tooth per calendar year

 

0%
0%
0%

0%

25%

50%

 

50%
50%
50%

50%

50%

50%

Vision Routine exam with dilation, 1x every 12 months

Eye glasses or contact lenses
(conventional & disposable)

$0
Remaining balance after $130 allowance
$40
Remaining balance after $65 reimbursement
Hearing Routine exam, 1x every 12 months

Advanced Hearing Aid Member Fee with recharge

Premium Hearing Aid Member Fee with recharge

$0

$699/per aid

$999/per aid

Fitness Access to the SilverSneakers program