at a glance Premera Blue Cross Blue Shield offers Medicare supplement (Medigap) plans in parts of Washington state and Alaska. These plans are not affiliated with the government and are offered by a private insurance company. Show They can help you pay medical costs that aren’t fully covered by original Medicare, which is made up of Part A and Part B. These costs include coinsurance, copays, and deductibles. Let’s learn more about the plans that Premera offers, what they cover, and how much they may cost where you live. Premera Medigap policies offer help paying healthcare costs that original Medicare doesn’t fully cover. Let’s compare what each plan offers in terms of covering your Medicare costs. Premera Medigap plan extra benefitsIn addition to the standard coverage that comes with all Medigap plans, some Premera plans offers additional benefits, including:
Premera Medigap plans cover services provided by any doctor, hospital, or facility that accepts Medicare. You don’t need to restrict yourself to healthcare providers in a particular network. Next, we’ll go over what each of Premera’s Medigap plans offers. Premera Medicare Supplement Plan AThe government requires all insurers selling Medigap policies to offer Plan A. It provides basic coverage to help you fill some of the gaps in original Medicare coverage. Premera Medicare Supplement Plan GPlan G also offers extensive coverage. Like Plan F, Plan G is available with a regular premium or a lower premium with a high deductible. One nice part of Plan G is that paying your Part B deductible counts toward reaching your overall plan deductible. Premera Medicare Supplement Plan NPremera offers Plan N policies that cover Part A and Part B coinsurance, in addition to other services. If you’re carefully managing your monthly budget, it’s important to know that with Plan N, you’ll have copays of up to $20 for many office visits. If you visit the emergency room, you may have a copay of up to $50 if you’re not admitted to the hospital for inpatient care. In Washington, Premera’s Medicare supplement plans are community rated, which means everyone in the plan pays the same rate throughout the state, regardless of age. In Alaska, your plan rate differs according to your age as of January 1 of the plan year. Your rate won’t go up, even if your health changes, unless everyone else’s rate also increases. Here are some price ranges for the monthly premium rates with each Premera Medicare supplement plan in 2021. The premium costs listed above are for premiums that are automatically deducted from your bank account. There’s an additional $5 fee per month for manual payment on all Premera Medigap policies. Medigap (Medicare supplement) plans pay for gaps in the coverage you receive through original Medicare (Part A and Part B). Medigap policies are offered by private insurance companies, and not all plans are offered in every area. However, the coverage offered by each plan is standardized — so, for example, all Plan G policies offer the same coverage no matter the location. You can only purchase a Medigap policy if you’re enrolled in original Medicare. If you’re enrolled in a Medicare Advantage (Medicare Part C) plan, then Medicare supplement plans aren’t available to you.
Premera Blue Cross Blue Shield offers Medicare supplement plans A, F, G, and N in Alaska and Washington state. However, Plan F policies are not available for new enrollees after January 1, 2020, unless you were eligible for Medicare before that date. Premera plans are portable. The benefits they offer are available to you nationwide, as long as you’re being treated by a Medicare-approved healthcare provider or facility. To see which Medicare supplement plans are available in your area as well as compare the costs and benefits they offer, you can use Medicare’s plan finder tool. The information on this website may assist you in making personal decisions about insurance, but it is not intended to provide advice regarding the purchase or use of any insurance or insurance products. Healthline Media does not transact the business of insurance in any manner and is not licensed as an insurance company or producer in any U.S. jurisdiction. Healthline Media does not recommend or endorse any third parties that may transact the business of insurance. What is Type G Medicare supplement?Plan G includes all the benefits of Medicare Supplement Plans A, B and C with the exception of the Medicare Part B deductible. It's a good fit for people who want some coverage for hospitalization, but are willing to pay the Medicare Part B deductible on their own. A high-deductible Plan G is also available.
What is the monthly premium for Plan G?How much does Medicare Plan G cost? Medicare Plan G costs between $120 and $364 per month in 2022 for a 65-year-old. You'll see a range of prices for Medicare supplement policies because each insurance company uses a different pricing method for plans.
What is the difference between plan N and G?The biggest difference between Medigap Plan G and Medigap Plan N is that Plan N has copays for certain medical office and emergency department visits, whereas Plan G doesn't. If you wouldn't need to pay the copays often, Medigap Plan N could cost less overall.
What is not covered under Plan G?Additionally, Medicare Supplement Plan G does not cover benefits for routine dental, vision, hearing, or prescription drug services. Medigap Plan G only covers the benefits that Original Medicare will cover. Meaning that it will only pay after Original Medicare pays.
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