Original Medicare (Medicare Parts A and B) covers various medical expenses, such as inpatient hospital stays, certain doctors’ services, and outpatient care. However, it doesn’t cover all medical costs. That’s where Medicare Supplement Insurance or Medigap plans come in.
Medicare Supplement Insurance plans work with Original Medicare to cover out-of-pocket medical expenses Original Medicare doesn’t cover, such as copayments, coinsurance, and deductibles. Keep reading to discover the pros and cons of UnitedHealthcare® Medicare Supplement Plan G.
Benefits of UnitedHealthcare® Medicare Supplement Plan G
UnitedHealthcare offers various UnitedHealthcare® supplemental health insurance plans, including Medicare Supplement Plan G. If you’re evaluating the insurer’s plans, here are reasons why you might want to choose Medigap G:
Comprehensive Benefits
UnitedHealthcare® Medigap Plan G is one of UnitedHealthcare’s most popular supplemental health insurance plans. And with good reason. The plan covers most Medicare-approved medical costs, including:
- Original Medicare copays and coinsurance
- Skilled nursing facility care coinsurance
- Hospice care
- First three pints of blood
With UnitedHealthcare® Medicare Supplement Plan G, you also won’t need to worry about Part B excess charges. This means that if you visit a healthcare provider that doesn’t accept Medicare, you won’t be charged extra. Medigap Plan G will cover the additional cost.
Additionally, UnitedHealthcare® Medigap Plan G offers foreign travel emergency benefits. So, if you travel outside of the United States, you can access medical services.
Low Out-of-Pocket Costs
With UnitedHealthcare® Medigap Plan G, the only out of pocket cost you’ll pay for is the Medicare Part B deductible. You’ll only pay for the deductible once annually when you receive Medicare Part B services. In 2025, you’ll pay $257 (up from $240 in 2024). This makes Plan G one of the most cost-effective UnitedHealthcare® supplemental health insurance plans.
Drawbacks of Medicare Supplement Plan G
While UnitedHealthcare® Medicare Supplement Plan G offers many benefits, here are some reasons why you might want to choose another plan:
High Cost
Medigap Plan G premiums vary but often cost more than other Medigap plans. Costs vary depending on age, gender, location, health status, and smoking status. Typically, you’ll also pay higher premiums as you get older.
Limited Coverage
UnitedHealthcare® Medigap Plan G covers multiple medical expenses. However, it doesn’t cover everything. You will have to pay out of pocket or sign up for a Medicare Advantage Plan to get coverage for the following:
- Hearing aids
- Eyeglasses
- Dental, vision, or hearing services
- Prescription drugs
- Long-term care
- Private-duty nursing
Short Enrollment Period
The Medigap open enrollment period (OEP) is a six-month period that begins when you are 65 or older, provided you have Medicare Part B. Basically, it’s a one-time opportunity to sign up for Medigap Plan G without restrictions. In some states, you have a short window to enroll in Plan G at a reasonable rate.
Unfortunately, after the OEP, insurers can factor in your pre-existing conditions when determining your monthly premiums and coverage.
Enroll for UnitedHealthcare® Medicare Supplement Plan G
UnitedHealthcare® Medigap Plan G can be a viable supplemental insurance plan for you if you’re enrolled in Original Medicare and want more comprehensive coverage than other Medigap plans can offer.
Want to learn more about UnitedHealthcare® supplemental health insurance or enroll in Medigap Plan G? Contact us today to talk to one of our licensed Medicare agents.
Original Medicare (Medicare Parts A and B) covers various medical expenses, such as inpatient hospital stays, certain doctors’ services, and outpatient care. However, it doesn’t cover all medical costs. That’s where Medicare Supplement Insurance or Medigap plans come in.
Medicare Supplement Insurance plans work with Original Medicare to cover out-of-pocket medical expenses Original Medicare doesn’t cover, such as copayments, coinsurance, and deductibles. Keep reading to discover the pros and cons of UnitedHealthcare® Medicare Supplement Plan G.
Benefits of UnitedHealthcare® Medicare Supplement Plan G
UnitedHealthcare offers various UnitedHealthcare® supplemental health insurance plans, including Medicare Supplement Plan G. If you’re evaluating the insurer’s plans, here are reasons why you might want to choose Medigap G:
Comprehensive Benefits
UnitedHealthcare® Medigap Plan G is one of UnitedHealthcare’s most popular supplemental health insurance plans. And with good reason. The plan covers most Medicare-approved medical costs, including:
- Original Medicare copays and coinsurance
- Skilled nursing facility care coinsurance
- Hospice care
- First three pints of blood
With UnitedHealthcare® Medicare Supplement Plan G, you also won’t need to worry about Part B excess charges. This means that if you visit a healthcare provider that doesn’t accept Medicare, you won’t be charged extra. Medigap Plan G will cover the additional cost.
Additionally, UnitedHealthcare® Medigap Plan G offers foreign travel emergency benefits. So, if you travel outside of the United States, you can access medical services.
Low Out-of-Pocket Costs
With UnitedHealthcare® Medigap Plan G, the only out of pocket cost you’ll pay for is the Medicare Part B deductible. You’ll only pay for the deductible once annually when you receive Medicare Part B services. In 2025, you’ll pay $257 (up from $240 in 2024). This makes Plan G one of the most cost-effective UnitedHealthcare® supplemental health insurance plans.
Drawbacks of Medicare Supplement Plan G
While UnitedHealthcare® Medicare Supplement Plan G offers many benefits, here are some reasons why you might want to choose another plan:
High Cost
Medigap Plan G premiums vary but often cost more than other Medigap plans. Costs vary depending on age, gender, location, health status, and smoking status. Typically, you’ll also pay higher premiums as you get older.
Limited Coverage
UnitedHealthcare® Medigap Plan G covers multiple medical expenses. However, it doesn’t cover everything. You will have to pay out of pocket or sign up for a Medicare Advantage Plan to get coverage for the following:
- Hearing aids
- Eyeglasses
- Dental, vision, or hearing services
- Prescription drugs
- Long-term care
- Private-duty nursing
Short Enrollment Period
The Medigap open enrollment period (OEP) is a six-month period that begins when you are 65 or older, provided you have Medicare Part B. Basically, it’s a one-time opportunity to sign up for Medigap Plan G without restrictions. In some states, you have a short window to enroll in Plan G at a reasonable rate.
Unfortunately, after the OEP, insurers can factor in your pre-existing conditions when determining your monthly premiums and coverage.
Enroll for UnitedHealthcare® Medicare Supplement Plan G
UnitedHealthcare® Medigap Plan G can be a viable supplemental insurance plan for you if you’re enrolled in Original Medicare and want more comprehensive coverage than other Medigap plans can offer.
Want to learn more about UnitedHealthcare® supplemental health insurance or enroll in Medigap Plan G? Contact us today to talk to one of our licensed Medicare agents.