Medigap Monday: How is the Plan G Deductible Paid?

Medicare Supplement Plan G does not have a deductible. How the Medicare Supplement Plan G works is that it pays all the holes or gaps in Medicare Parts A and B except for one, which is the Medicare Part B annual deductible. When you have a Medicare Supplement Plan G, you pay the monthly premium and the only out-of-pocket expense you have is Medicare’s Part B annual deductible ($183.00 for 2018). Once you’ve met this deductible, the Plan G pays all of the holes or gaps in Medicare Parts A and B. This deductible can be paid in one of two ways: all at once or over time throughout the year and you do not pay this charge at the time of service, like a co-pay. You will be sent a bill in the mail and you would pay it that way.

  • You go to your doctor’s office in January and the total fee from the doctor is $100. You would not pay that at the time of service, you would be sent a bill in the mail a few days later. You would have paid $100 of your annual deductible so now your remaining deductible is $83. You can continue to pay it this way for the remainder of the year until the deductible is satisfied. After that deductible is satisfied, your Medicare Supplement Plan G will cover the rest of your medical bills.
  • You need to have an x-ray done on your shoulder. The average cost of an x-ray can range from $260-$460. Let’s say the cost was $300, you would only pay $83 and the Medicare Supplement Plan G would pay the remaining balance of $217 because that’s all you are required to pay before your Medicare Supplement Plan G steps in and picks up the remaining bill. After the deductible is met, your Medicare Supplement Plan G will cover the rest of your medical bills.