Not exactly. With your Plan G, you may be billed for the annual Part B deductible. It isn’t much, $200+, but you will be billed for it by the provider when you use services covered under Part B. I have Plan N, and have some copays along with the Part B deductible. Plan F, which is no longer available to those starting Medicare, includes the Part B deductible, albeit at an incremental premium cost over Plan G that may be in excess of the Part B deductible.
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Originally Posted by rsmurano
I have never had a surgery/procedure/visit not covered by Medicare. I always ask my dr if it is covered by Medicare and they have always said yes. My supplement G plan always covers the rest of the cost over what Medicare pays for.
Every year, I look at the different plans (advantage vs supplements) and I will never ever get an advantage plan. If you look at ALL advantage plans at the national level, these insurance companies refuse surgeries/procedures/expert referral visits in the millions every year whereas Medicare doesn’t require referrals or pre-surgery clearances. The advantage plans are so bad that Congress is looking into making huge changes to these advantage plans so they can’t deny services. Get any of the supplements while you can because you might not be able to go to a supplement after being on an advantage plan.
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