What Do Medicare Supplement ‘Plus’ Plans Cover?
These plans help fill Medicare’s coverage gaps — and some offer added perks.
Original Medicare only pays for about 80% of approved costs. A Medicare Supplement insurance policy (Medigap) helps with the rest. Some insurers also offer a “Plus” version, adding benefits you don’t find in standard Medigap plans. For those who value predictability, flexibility, and added value, a Medicare G Plus plan might be worth exploring.
What’s Covered In Standard Medicare Supplement Plans:
• Part A hospital costs & coinsurance: Up to an extra 365 days.
• Part B coinsurance/copayments: Often pays the 20% Medicare doesn’t.
• Blood (first 3 pints): Covers the initial pints needed.
• Skilled nursing facility coinsurance: Up to 100 days.
• Part A deductible & hospice coinsurance: Reduces out-of-pocket costs.
• Part B excess charges: Helps with charges above Medicare’s standard rates.
• Foreign travel emergencies: Often covers 80% up to certain limits.
What “Plus” Plans Add (Example For Select States):
• Dental: Exams, cleanings, fillings, and X-rays.
• Vision: Eye exams and allowances for glasses or contacts.
• Hearing: Hearing exams and discounts on hearing aids.
• Fitness: Programs like SilverSneakers.
• 24/7 nurse line: Speak with a nurse anytime.
Freedom & Flexibility Built In
• No network restrictions: See any doctor or hospital nationwide that takes Medicare.
• Guaranteed renewability: Your coverage won’t be dropped due to health.
• Predictable costs: Manage medical expenses without surprises.
