Plan F & Plan G are two Popular Plans in North Carolina and Throughout the Nation

Medicare is a federal program that provides medical insurance for people age 65 and older and people under age 65 with certain disabilities. A Medicare supplement plan is a health insurance policy to fill the “gaps” (deductibles and co-payments) in Original Medicare coverage. These plans help cover some of the healthcare costs that Original Medicare doesn’t cover. Plan F and Plan G are two popular Medicare supplement plans in North Carolina and the nation. There are “no out of pocket expenses to pay” with Plan F. It covers 100% of all Medicare-covered services. Plan F pays 100% of Medicare Part A & Part B deductibles and co-insurance. Plan F also pays 100% of skilled nursing facility co-payments, plus 100% of any Part B excess charges. Plus you have the freedom to choose your own doctor without a referral and visit any Medicare–participating hospital in the nation.

Plan F and Plan G Benefits Are the Same for All Companies
It is important to know that Plan F and Plan G Medicare supplement benefits are the same from company to company, but the premium rates vary widely from company to company.

Plan F and Plan G Benefits

• Hospitalization: Covers 100% of Medicare Part A deductible & co-insurance for the first 150 days. After 150 days when Medicare benefits end, Plan F pays 100% of Medicare-allowable expenses for an additional 365 days
• Medical Expenses: Covers 100% of Medicare- approved Part A and Part B deductibles and co-insurance plus 100% of Medicare Part B excess charges.
• Skilled Nursing Home Facility: Covers 100% of co-insurance expenses for days 21-100
• Blood Benefit: Covers first three pints of blood each year
• Hospice Care: Covers 100% for outpatient prescription drugs for pain and symptom management plus 100% of Medicare-approved amount for inpatient respite care.
• Emergency Care: Covers medically necessary emergency care when you are traveling abroad
• The freedom to choose your own doctor without a referral and visit any Medicare participating hospital
• No “out of pocket costs” for any Medicare covered services

Plan G Benefits

Plan G benefits are the same identical benefits as Plan F except one. Plan G does not pay the Medicare Part B deductible.

Plan F and Plan G Early Enrollment Guarantees Are the Same for All Companies

• Guaranteed acceptance during open enrollment
• No health questions to answer to qualify
• No waiting period for pre-existing conditions
• Virtually no claims to file
• Coverage may not be cancelled

Premium Rates Vary - Compare Rates (click here)

By Federal Law, all Medicare Supplement Insurance Plans are the SAME. The ONLY difference is PRICE. Many companies sell Medicare supplements in North Carolina; however, prices vary widely from company to company for the same benefits. There are over 40 companies selling Medicare Supplement Plans in North Carolina. Compare rates and save!

Future Rate Increases

Premium rates of all companies are adjusted each year due to a change in your age. In addition, all companies periodically adjust their premium rates due to medical claims trends and overall claims experience. However, you alone will not be singled out for a premium rate increase because of your individual claims.