View state disclosures, exclusions, and limitations
1 Insured by Cigna Health and Life Insurance Company, American Retirement Life Insurance Company, Loyal American Life Insurance Company or Cigna National Health Insurance Company. In Kansas, insured by Cigna National Life Insurance Company, Cigna Health and Life Insurance Company and Loyal American Life Insurance Company. American Retirement Life Insurance Company is not available to residents of Kansas. In Pennsylvania, Maryland North Carolina and Utah, insured by Cigna National Health Insurance Company domiciled in Ohio. In New Mexico, Idaho and Ohio, insured by Cigna Health and Life Insurance Company.
2 A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
3 NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy’s “Core Benefits.” During this time, the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.
4 Once you have been billed $233 of Medicare-approved amounts for covered services, your Part B deductible will have been met for the calendar year.
5 State variations apply. Discount not available in HI, ID, MN, and VT. For residents of WA, the discount is referred to as Spousal Premium Discount, and only applies to spouses. Discount percentage varies by state.
6 These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Programs and services may be added or discontinued at any time. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. The Healthy Rewards program is provided by Cigna Health and Life Insurance Company. Programs are provided through third party vendors who are solely responsible for their products and services. Program availability may vary by location, and are not available where prohibited by law.
7 Health advocates are trained nurses and hold current nursing licensure in a minimum of one state, but are not practicing nursing or providing medical advice.
8 Plans only available if you first become eligible for Medicare before January 1, 2020 (which means your 65th birthday occurred before January 1, 2020). Or you have qualified for Medicare due to disability before January 1, 2020.
View Kansas disclosures, exclusions, and limitations
Notice for persons eligible for Medicare because of disability:
In the following states, all Medicare Supplement plans are available to persons eligible for Medicare because of disability: California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Montana, New Hampshire, Oregon, Pennsylvania, South Dakota, Tennessee, Vermont, and Wisconsin.
Tennessee Medicare Supplement Policy Forms
Plan A: CNHIC-MS-AA-A-TN; Plan F: CNHIC-MS-AA-F-TN; Plan G: CNHIC-MS-AA-G-TN; Plan N: CNHIC-MS-AA-N-TN.
Summary:
Medicare Supplement Insurance Plan G offers more basic benefits than most Medicare Supplement plans. Plan G may pay some of your Original Medicare (Part A and Part B) costs – keep reading to learn more.
Is it Medicare Part G or Medicare Plan G?
It’s neither one of those! There’s no Medicare Part G (there’s Medicare Part A, Part B, Part C, and Part D). And there’s no Medicare Plan G. But there’s Medicare Supplement Insurance Plan G, and we’ll tell you all about it.
What is Medicare Supplement?
Medicare Supplement insurance is optional coverage you may be able to buy to work alongside your Original Medicare coverage. Original Medicare includes Part A (hospital insurance) and Part B (medical insurance).
Medicare Supplement (also called Medigap) insurance plans are standardized in most states. They are named with letters, like Plan G. Every plan of the same name has the same basic benefits.
For example, although many different insurance companies sell Medicare Supplement Insurance Plan G in many states, every Plan G has the same set of basic benefits. That’s true of the other plans, like Medicare Supplement Insurance Plan A, Plan B, and so on.
Frequently asked questions
What is Medicare Supplement Insurance Plan G?
Medicare Supplement Insurance Plan G is the name of a standard Medicare Supplement insurance plan. They’re named with letters, like Plan G, Plan A, and so on. Plan G is one of the most comprehensive Medicare Supplement insurance plans.
What is the deductible for Medicare Supplement Insurance Plan G in 2022?
Medicare Supplement Insurance Plan G generally doesn’t have a deductible. However, Plan G also has a high-deductible version. Under the high-deductible plan, you’d need to pay this deductible before the plan started paying your Original Medicare costs. In 2022,$2,490
Your Medicare Part A and Part B deductibles are separate. Plan G may pay your Medicare Part A deductible, but not your Part B deductible.
What does Medicare Supplement Insurance Plan G cover?
Medicare Supplement Insurance Plan G generally covers:
- Hospital inpatient costs for up to a year after your Medicare coverage runs out
- Medicare Part B coinsurance/copays
- First 3 pints of blood if needed for a procedure
All standard Medicare Supplement insurance plans generally cover those benefits. Part G typically also covers:
- The Medicare Part A deductible
- Skilled nursing facility care coinsurance
- Medicare Part B excess charges*
- Emergency care outside the U.S. – 80% up to plan limits
*If you have Original Medicare, and the amount a doctor or other health care provider is legally permitted to charge is higher than the Medicare-approved amount, the difference is called the excess charge.
What’s the difference between Medicare Supplement Insurance Plan F and Plan G?
Medicare Supplement Insurance Plan F is another plan with greater coverage than most standard Medicare Supplement insurance plans.
The difference between Medicare Supplement Insurance Plans F and G is that Plan F may cover the Medicare Part B deductible, while Plan G doesn’t. But Plan F is being phased out. It’s not available to you if you became eligible for Medicare after January 1, 2020.