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.