Plan G

Medicare Supplement Plan G

Next to Plan F, Medicare Supplement Plan G offers the most comprehensive protection available to Illinois seniors looking to enhance Original Medicare. Medicare Supplement Plan G from Blue Cross Blue Shield can offer deserving seniors the peace of mind they deserve with a plan they can depend on from a trusted provider. Here is Medicare Supplement Plan G in more detail.

Medicare Supplement Plan G Benefits

Plan G offers 100 percent coverage for your Part A deductible ($1,316) as well as total coverage for the remaining charge for days 61-90 in the hospital after Medicare pays ($329 a day). For days 91 and beyond, Plan G pays for 100 percent of Medicare eligible expenses and 365 extra days of coverage after Lifetime Reserve are used up. Plan G also pays for all costs of receiving skilled nursing care until day 101, 100 percent of the costs of the first three pints of blood and your Medicare copayment/coinsurance for hospice care.

Medical expenses that you incur in or out of the hospital and outpatient hospital treatment can be costly. With Plan G, you can count on coverage for the remainder of any Medicare approved amount (after your Part B deductible is paid in full), 100 percent of Part B excess charges.


Summary of Benefits

  • Part A coinsurance for hospitalization services plus coverage for an additional 365 days hospitalization after Medicare benefits end
  • Part B coinsurance for medical expenses or copayments for hospital outpatient services
  • First three pints of blood each year
  • Part A coinsurance for hospice care
  • Skilled nursing facility coinsurance
  • Part A deductible
  • 100 percent of Part B excess charges
  • Foreign travel emergency care

What You Can Expect to Pay With Medicare Supplement Plan G

With comprehensive coverage from Plan G, you can expect to pay your Part B deductible, all hospitalization costs after an additional 365 days after the lifetime Reserve are used, all costs of skilled nursing facility care after 101 days and a foreign travel deductible of $250 annually plus 20 percent of costs within the first $50,000. Plan G is also eligible for the Medicare Select option. If you agree to use a hospital in the Medicare Select Network for no n emergency services, you will be eligible for a reduced premium.

Blue Cross and Blue Shield of Illinois will never terminate or refuse to renew your Medicare Supplement Insurance policy because of the condition of your health. As long as you continue to pay your premium, your Plan G benefits will be available.

A practical, smart solution providing comprehensive coverage, Medicare Supplement Plan G from Blue Cross Blue Shield gives Illinois seniors important peace of mind and confidence in reliable benefits from a solid provider they trust.


Basic Benefit Options Premier Plan Options Budget-Conscious Plan Options
Plan A Plan B Plan C Plan F Plan G High Deductible
Plan F
Plan K* Plan L* Plan N*
Reduced Premium Medicare Select Option Available (eligibility based on ZIP code)
Basic Benefits 100% 100% 100% 100% 100% 100% 100%/50% 100%/75%
Skilled Nursing Coinsurance 100% 100% 100% 100% 50% 75% 100%
Part A Deductible 100% 100% 100% 100% 100% 50% 75% 100%
Part B Deductible 100% 100% 100%
Part B Excess 100% 100% 100%
Foreign Travel Emergency Care
Annual Out of Pocket Limit** $5,120 $2,560


*Plans K-N provide for different cost-sharing than plans A-G.
Plans K and L pay 100% of hospitalization and preventive care Basic Benefits. All other Basic Benefits are paid at 50% (Plan K) and 75% (Plan L). Once you reach the annual limit, the plan pays 100% of the Medicare copayments, coinsurance and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges from your provider that exceed Medicare-approved amounts, called “excess charges.” You are responsible for paying excess charges.
Plan N covers Basic Benefits after a $20 copay for office visits and a $50 copay for emergency room visits.
**The out-of-pocket annual limit may increase each year for inflation. (2017 limits shown)
† Network restrictions apply