I'm on Medigap Plan G, and I'm curious how my upcoming knee replacement surgery will be billed. Does the plan cover it all after my deductible?

Question

John Becker · Accepted Answer

1. Original Medicare Pays First: First, Medicare determines if the knee replacement is medically necessary. If approved, Medicare pays its share of the Medicare-approved amount for the costs.

2 .Part A or Part B Coverage:
If the surgery is an inpatient procedure (requires an overnight hospital stay), Medicare Part A covers the hospital costs. Plan G will cover your Part A deductible and any coinsurance.

If the surgery is an outpatient procedure (most knee replacements are now outpatient), Medicare Part B covers the surgeon's fees, facility charges, and other related services. You are responsible for meeting the annual Part B deductible.

3. Medigap Plan G Pays Second: After Medicare pays its portion, your Medigap Plan G policy kicks in to cover the remaining costs (the "gaps"). Plan G covers the 20% coinsurance that Original Medicare leaves you responsible for once you meet the Part B deductible.

4. Minimal Out-of-Pocket Costs: Once you've paid your annual Part B deductible (which is $257 in 2025), Plan G covers 100% of all remaining Medicare-approved Part B charges and all Part A deductibles and coinsurance. This means your additional out-of-pocket expenses for the surgery and recovery should be minimal or non-existent, aside from your monthly Medigap premiums.

Cindy Dedini · Answer

As long as the surgery is medically necessary and covered by Medicare, your out-of-pocket cost should generally not exceed the annual Part B deductible of $283 with a standard Medigap Plan G, or $2,950 if you have a high-deductible Plan G, assuming all providers accept Medicare assignment. If post-surgical rehabilitation in a Skilled Nursing Facility is medically necessary, Medicare typically requires a minimum 3-day inpatient hospital stay for that rehab stay to be covered. Once qualified, Medicare covers days 1–20 in full, and Plan G generally covers the remaining coinsurance for days 21–100.

Answered by Cindy Dedini on June 23, 2026

Broker Licensed in CA, AZ, CO & 11 other states

Answered by Cindy Dedini Medicare Insurance Agent

Chuck Winslow · Answer

Great question — here's how it works with Medigap Plan G:

Medigap Plan G covers everything that Original Medicare covers except the Part B annual deductible (which is $240 in 2025). So for your knee replacement:

1. Medicare Part A will cover your hospital stay and related inpatient costs.


2. Medicare Part B will cover the doctor fees, outpatient surgery costs, and physical therapy.



Once you've paid your $240 Part B deductible, Plan G pays 100% of the remaining Medicare-approved charges, including:

Hospital costs

Surgeon's fees

Anesthesia

Outpatient rehab

Durable medical equipment like a walker


So yes — after your deductible is met, your Plan G will cover the rest of the knee replacement surgery as long as it's Medicare-approved.

Mark Cunningham · Answer

Medigap Plan G is a comprehensive supplement to Original Medicare (Parts A and B). It provides extensive coverage for various out-of-pocket costs that Medicare does not fully cover.

Medigap Plan G covers all costs not paid by Original Medicare except for the Medicare Part B deductible. In 2025, the Part B deductible is $257. This means that before Medigap Plan G begins to cover your knee replacement surgery, you will need to pay this deductible out of pocket, if you have already met the deductible for 2025 there will be no additional out of pocket expense for Medicare covered procedures.

The billing process for your knee replacement surgery will generally follow these steps:
•	Your healthcare providers will submit claims to Medicare for the services rendered.
•	Medicare will process the claims and pay its share of the approved amounts.
•	The remaining eligible expenses will be forwarded to your Medigap Plan G insurer, which will then pay its share directly to the providers.

Once you have paid the Medicare Part B deductible, Medigap Plan G will cover the remaining costs of your knee replacement surgery, ensuring you have minimal out-of-pocket expenses. Always check with your healthcare provider and Medigap insurer to confirm specific coverage details and to understand exactly what to expect during the billing process.

Rich Baker · Answer

Generally, as long as your charges are all medicare approved, once you pay your $283 part B deductible, you shouldn’t have to pay anything else for the remainder of the year. 

Anything NOT covered by medicare - if you need custodial care in a skilled nursing facility (not covered) vs. inpatient rehabilitation (covered), for example, would be your responsibility. 

But in most cases, once you’ve paid the deductible, you’re covered for the rest.

Mark Boone · Answer

As long as the facility where you have the surgery accepts Medicare, you will only be responsible for the Part B annual deductible ($257 for 2025). Once you pay the Part B annual deductible, Medicare will pick up 80% of the remaining bill, and your Medigap Plan G will pick up the other 20%. Most knee replacements also require a hospital stay, so you may need to meet your Part A deductible also. After that you should not have any additional expenses.

Answered by Mark Boone on October 24, 2025

Agent Licensed in MN, FL, MI & NC, OH, SC & VA

Answered by Mark Boone Medicare Insurance Agent

David Quintal · Answer

With all Plan G plans, a member is responsible for the first $257 of the Part B deductible. As long as the procedure is approved by Medicare, the Plan G picks up the rest of the bill. A member is also responsible for the monthly Plan G premium and the Part B premium as well. All Part A is covered at 100% with a Plan G and there are no copays.

Answered by David Quintal on July 9, 2025

Broker Licensed in NH, AL, AZ & 14 other states

Answered by David Quintal Medicare Insurance Agent

Steven Graves · Answer

Since you're on Medigap Plan G, your knee replacement surgery will be very well covered.

Here's what to expect:
Hospital stays (Part A): If you're admitted as an inpatient, Medicare covers most costs, and Plan G covers the Part A deductible and coinsurance.
You pay $0 for the hospital stay.

Surgery, surgeon, anesthesia (Part B): These are billed under Part B. You’ll pay the $240 Part B deductible (for 2024) and then Plan G picks up the remaining 20% coinsurance.
You pay only the $240 deductible—nothing more.

Rehab and physical therapy: Whether done at home, outpatient, or in a facility, these are usually covered under Part B. Plan G will cover these costs after you meet the deductible.

 In total:
As long as your providers accept Medicare, your only out-of-pocket cost for the entire surgery and recovery will be $240, the annual Part B deductible. After that, Plan G takes care of the rest.

You're in an excellent plan for major procedures like this. Let me know if you’d like help checking if your providers accept Medicare or reviewing expected costs!

Contact us, we can help

Lt Col Tim Brown · Answer

If you’ve already met your deductible then you’re covered at 100%. If you have not met your deductible, then it will be covered after the deductible at 100%. If the facility you go to says “if you pay this much now, we cut this much off your bill”. Do not do this. Tell them to just bill the insurance. If you get a bill in the mail, don’t just pay it. Providers bill patients before insurance even knows they have a claim and it’s often more than you would owe if you hadn’t met your deductible. Call the company billing you. Tell them you have a Plan G and you won’t owe what they’re billing and wait for an Explanation of benefits before paying what would be your deductible assuming you have not already met your deductible. You’ll owe nothing if you’ve already met it.

Answered by Lt Col Tim Brown on April 22, 2025

Broker Licensed in TN, AL, CO & 10 other states

Answered by Lt Col Tim Brown Medicare Insurance Agent

Justin Doherty · Answer

Medigap Plan G covers 100% of all remaining Medicare-approved charges once you have paid your annual deductible for Part B. If you have already paid your deductible for the year, and you receive any bills, I strongly recommend contacting the billing department and making sure they billed Medicare & your medigap company. Generally, Medicare sends the claim information to the medigap company automatically. However, I find it's usually a good idea to make sure they have all of the applicable billing information for you.

Answered by Justin Doherty on September 25, 2025

Broker Licensed in PA, CO, DE & 10 other states

Answered by Justin Doherty Medicare Insurance Agent

Tammam Tayara · Answer

With Original Medicare plus Medigap Plan G, your knee replacement surgery will first be billed to Medicare Part A (hospital stay) and Part B (doctor and outpatient services). Medicare pays its share, and then Plan G covers nearly all the remaining costs except the annual Part B deductible. Once you’ve met that deductible, Plan G generally covers the rest, leaving you with little to no out-of-pocket expense for approved services.

Answered by Tammam Tayara on September 18, 2025

Agent Licensed in CA, NM, OR & TX

Answered by Tammam Tayara Medicare Insurance Agent

Norman Smith · Answer

Yes! As a Plan "G" Supplement holder, as long as you continue to have original Medicare A and B, pay your Part B and your supplement premiums, your only obligation to medical bills will be the $257 Part B Deductible, and you should not see a bill again for the rest of the year regardless of any other medical needs, outside of Long Term Care. If you do not have an agent who can answer these questions, you should find one! That's what the Agent should be paid to do - service AFTER the sale!

Answered by Norman Smith on March 26, 2025

Agent Licensed in FL, AL, NJ & PA

Answered by Norman Smith Medicare Insurance Agent

Abigail Turner · Answer

You're exactly right! Once you've met your Part B deductible ($257 in 2025), your plan G will cover all remaining costs that Medicare approves but doesn't pay for. This is assuming you have a standard Plan G and not a high deductible Plan G.

Answered by Abigail Turner on September 3, 2025

Broker Licensed in KS, AR, AZ & 14 other states

Answered by Abigail Turner Medicare Insurance Agent

Lauren Hawkins · Answer

Yes. As long as the facility where you have the surgery accepts Medicare assignment, you will only be responsible for the Part B annual deductible ($257 for 2025). Once you pay the Part B annual deductible, Medicare will pick up 80% of the remaining bill, and your Medigap Plan G will pick up the other 20%.

Answered by Lauren Hawkins on May 5, 2025

Agent Licensed in SC & CT

Answered by Lauren Hawkins Medicare Insurance Agent

Casey Graves · Answer

If the surgery is performed in an outpatient setting, you have to meet the Part B annual deductible ($283 in 2026). Once your deductible is met, Medicare pays 80% and your Plan G will cover the remaining 20%.

Answered by Casey Graves on April 21, 2026

Broker Licensed in TN

Answered by Casey Graves Medicare Insurance Agent

Kathryn Zekas · Answer

Yes. Generally, a Medigap Plan G will pay everything after you have met your Medicare Part B deductible, which for 2025 is $257. So the office will bill Medicare, and Medicare can see if you have already met your deductible or not. If not, you will owe the $257 first, and then your supplement will pay the rest.

Answered by Kathryn Zekas on May 7, 2025

Broker Licensed in FL

Answered by Kathryn Zekas Medicare Insurance Agent

William Murray · Answer

Thank you for asking...
If your knee replacement will occur as an Inpatient Hospital procedure, your plan G should bill Medicare under Part A and your Medigap Plan G, as such, will cover your Hospital Benefit Period Deductible with no out of pocket costs to you.
If the procedure will occur as an outpatient procedure under Part B, then you will be responsible for the $283 Part B Deductible. The remaining 20% coinsurance should be covered by your Medigap Plan G.

Steve and Sue Brauer · Answer

Thanks for asking!!...Your MediGap or Medicare Supplement SHOULD cover all or most of the cost of your knee replacement surgery. There should not be any copays associated with this procedure, as long as it is considered "medically necessary" and done by physicians that accept Medicare "Assignment". That means they accept what Medicare pays them for specific services and will not bill above and beyond that. A doctor can accept Medicare patients BUT not accept Medicare "assignment", meaning they can charge patients up to 15% above what Medicare pays them. Fortunately for you, Plan G PAYS the extra 15%, called Medicare "excess fees".

Answered by Steve and Sue Brauer on May 7, 2025

Broker Licensed in AZ & CA

Answered by Steve and Sue Brauer Medicare Insurance Agent

Korina Medrano · Answer

Plan G will cover the following after the annual Medicare deductible of $257 :

Part A hospital coinsurance (and up to 365 extra hospital days)

Part B coinsurance/copays

Skilled nursing facility coinsurance

Blood (first 3 pints)

Part A hospice coinsurance/copays

Excess charges (when doctors charge more than Medicare’s approved amount)

Answer: it will cover the charges billed after approved by Medicare and after deductible has been met.

Cheri Rogers · Answer

If your upcoming knee replacement was approved by Medicare then your Medicare Supplement Plan G will pay the 20% that Medicare does not cover after you have met your Part B annual deductible.

Timothy Brown · Answer

All Medicare approved services are covered under a Plan G after the annual deductible is met. Keep in my, Original Medicare Part A & Part B is your primary insurance and that is who the doctor/hospital bills first. The supplement pays the 20% of the cost that Medicare doesn’t pay for after the annual deductible. No surprise bills afterwards and the biggest take away is that there are NO prior authorization hurdles to jump over.

Answered by Timothy Brown on May 31, 2025

Broker Licensed in PA, CT, DE & 15 other states

Answered by Timothy Brown Medicare Insurance Agent

Satoshi Aoki · Answer

With Medigap Plan G, your knee replacement surgery will be covered by Medicare Part A and Part B first. Once you’ve met your annual Part B deductible ($240 in 2025), Plan G will pay the remaining approved costs — meaning you’ll have no additional out-of-pocket expenses for Medicare-approved services.

Answered by Satoshi Aoki on October 6, 2025

Agent Licensed in CA

Answered by Satoshi Aoki Medicare Insurance Agent

Jennifer Wesolek · Answer

Medigap Plan G is a comprehensive plan and covers you if it is a Medicare approved charge. The best thing you can do for any surgery is to contact your carrier on your card and ask them to let you know what out of pocket charges you can expect. I can say that I know someone who got a knee replacement on Plan G and only paid the Part B deductible but always call your carrier first so that you know what to expect for sure.

Answered by Jennifer Wesolek on July 27, 2026

Agent Licensed in KY

Answered by Jennifer Wesolek Medicare Insurance Agent

Melanie Baxter Black · Answer

The only out-of-pocket expense you should have on a Medicare Supplement Plan G, apart from your monthly premium, is your Part B Medicare annual deductible. After your annual Part B deductuble is met, anything hospital or doctor related is covered at 100%

Answered by Melanie Baxter Black on April 7, 2025

Agent Licensed in TX, AR, LA & OK

Answered by Melanie Baxter Black Medicare Insurance Agent

Fred Manas · Answer

With Medigap Plan G, you'll pay the Medicare Part B deductible and the 20% coinsurance on covered services, but the plan will then cover the remaining costs for your knee replacement surgery. Plan G essentially covers the "gaps" in Original Medicare coverage, helping with deductibles, coinsurance, and copayments. 
Here's a more detailed breakdown:
Medicare Part B Deductible:
.
You'll need to pay the annual Medicare Part B deductible, which is $257 in 2025. 
20% Coinsurance:
.
Medicare will pay 80% of covered services, and you'll pay the remaining 20% (your coinsurance). 
Medigap Plan G Coverage:
.
Once you've met the deductible and paid your coinsurance, Medigap Plan G will pay the remaining costs for Medicare-approved services. 
In essence, Medigap Plan G helps bridge the gap between Original Medicare's coverage and your overall healthcare costs. It covers the coinsurance and copayments that Original Medicare doesn't, and helps with deductibles. 
For a more personalized explanation, it's always a good idea to consult with your Medigap insurer or a Medicare advisor to understand how Plan G specifically covers your situation.

Judi Norton · Answer

On a Medigap Plan G, there is a $257 annual deductible that must be met before the plan will pay the remaining balance. You will receive a statement from Medicare indicating that you have either met your deductible or you have not met your deductible. If you have met the annual deductible, the plan pays the remainder for the rest of the year. If you have not met the deductible, you will need to pay the facility where the services occurred up to the amount of the deductible.

Answered by Judi Norton on May 5, 2025

Agent Licensed in NM

Answered by Judi Norton Medicare Insurance Agent

Sherita Joseph · Answer

With Plan G, once you’ve met your Part B deductible for the year, Medicare pays its share first and your Medigap steps in to cover the rest of the approved costs. You shouldn’t see big surprise bills, but you may still have some charges if the surgeon or facility bills anything Medicare doesn’t approve.

Answered by Sherita Joseph on April 13, 2026

Agent Licensed in NC, CO, KY & 7 other states

Answered by Sherita Joseph Medicare Insurance Agent

Robert Vaughan, R.Ph., MBA · Answer

Yes, Medicare Supplement Plan G will cover all Medicare-covered costs associated with a knee replacement, except for the Part B deductible. If the procedure is covered by Medicare and deemed to be medically necessary, your Medigap Plan G will cover all costs with the exception of your Medicare Part B deductible.

Answered by Robert Vaughan, R.Ph., MBA on May 7, 2025

Broker Licensed in CA, AZ, ID, NM, NV & TX

Answered by Robert Vaughan, R.Ph., MBA Medicare Insurance Agent

Becki Jennings · Answer

If you haven't paid your Part B annual deductible, you will be billed that amount. This year it is $257. If you HAVE paid your Part B deductible, you will likely not receive a bill. The provider will bill Medicare and your Plan G. There should not be any additional charges for that procedure.

Answered by Becki Jennings on June 7, 2025

Agent Licensed in MO

Answered by Becki Jennings Medicare Insurance Agent

Meghan Blankenship · Answer

Yes,- once you meet your annual Part B deductible ($240 in 2025), Medigap Plan G will cover all Medicare-approved costs for your knee replacement surgery. You'll owe nothing more for covered services.

Jason York · Answer

Few couple things to note:

1. If Medicare deems the surgery necessary

 and 

2. if you have indeed paid your annual Part B  deductible ($283 for 2026) 


 Then yes your plan will cover the costs for the surgery!

Steven Bleicher · Answer

Plan G is the most popular Medigap plan you can acquire. Remember that the ratio of 80/20% ALWAYS comes into play. Part A is for IN-patient hospital services. That's your Primary insurance, paying 80% while the balance of 20% will be paid by your Med. Supplement. Thus, here are your two theoretical examples: A) like the above, the knee surgery is performed in a hospital. Part A pays the 80% of all surgical charges while the Supplement picks up all the rest except for the one-time per year (!) Part B deductible of $257.00. If you already have met that amount, no additional funds are your responsibility. B) Though rare, if this same operation is done in an outside surgical center, (outpatient!) the 80% is paid by Part B and the remainder is again paid by the Medigap plan.

Answered by Steven Bleicher on May 19, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Adam Ernst · Answer

Yes it sure does. Since there are no networks, you should be covered 100% after your $283 deductible is satisfied. No copays with Plan G. If you receive a bill afterwards, contact your agent or the company you have the Plan G with to make sure they take care of it.

Answered by Adam Ernst on February 1, 2026

Agent Licensed in NC, SC & TN

Answered by Adam Ernst Medicare Insurance Agent

William Gray · Answer

Medicare plan G is the most comprehensive Medicare Supplement available today. 

Once you meet the 257$ deductible for part B your medicare supplement will cover your remaining cost of care at 100%. 

This is assuming you are on the G and not the HDG (the HDG has a 2870) then its 100% covered.

Vanessa McKinney · Answer

Yes, Medicare will cover medically necessary knee surgery after you meet your deductible. Medicare Original will cover a portion and the Plan G will pick up the remaining cost, essentially leaving you $0 out of pocket.

Answered by Vanessa McKinney on November 12, 2025

Broker Licensed in TX

Answered by Vanessa McKinney Medicare Insurance Agent

Edward Smith, ChFC, CRPS, AIF · Answer

It should cover everything that is considered medically necessary. You have your part B deductible, and it should cover the 20% that original Medicare doesn't cover. Check and see if your state allows for balance billing. My state does not. Balance billing is when the doctor or facility charges more than is allowed by Medicare.

Answered by Edward Smith, ChFC, CRPS, AIF on June 23, 2025

Broker Licensed in OH, GA, IN, KY & TN

Answered by Edward Smith, ChFC, CRPS, AIF Medicare Insurance Agent

Andrew Kramer · Answer

The only bill you will have is the Medicare Part B deductible. This year, 2025, it's $257, unless you have already met the deductible this year.

Kimberly Griego · Answer

Yes, your Medigap Plan G will cover any and all Medicare-allowed charges once you have satisfied your annual Part B deductible (currently $257).

Michael Andrews · Answer

So when I came across this question, I definitely had to make a quick video because it's a pretty simple answer. The question is, I'm on a Medigap Plan G, and I'm curious how my upcoming knee replacement surgery will be billed. Does the plan cover it after all? Does a plan cover it all after my deductible?

The answer to that is yes. If you are getting this surgery done at a Medicare-approved facility and it is medically necessary, the only thing you have to pay for with a Medicare Plan G is a $283 deductible for this year. After that, you won't pay anything.

Anthony Castelluccio · Answer

Basically that is correct. Any Part B service which will include a knee replacement or PT afterwards should be covered by your G plan, but the big piece here is if Medicare approves the service. If it's done experimental knee replacement, Medicare most likely will not approve that service and your G plan will not cover it. But for the most part, you really should not see any bills after your deductible for a knee replacement.

Answered by Anthony Castelluccio on April 17, 2025

Agent Licensed in PA, DE, MD, NJ & VA

Answered by Anthony Castelluccio Medicare Insurance Agent

Carolyn Duncan · Answer

Hello, great question

Ideally you should be check in to the facility in the morning and home by dinner. Including walking with a walker. Your Medicare part B ($283 Deductible) Which is not paid by plan G, then Medicare should pay 80% and Plan G will pay 20%. This includes the surgery center, Surgeons fees and the anesthesiologist. Some Surgeons use a robot new technology and that may not be covered by Medicare Part B and so your Supplement G will not be paying any of the as it is on out-of-pocket personal cost. If Medicare Does pay, then your supplement will of course supplement the balance.

Karen Ansell · Answer

After an annual deductible of $257.00 the plan G should cover all costs as long as Medicare approves the charges.

Kristina Guerry · Answer

You are correct that you must first meet your Part B deductible, as there is a high chance that the procedure will be outpatient. 
Once your Part B deductible has been met, you should see no costs for Medicare approved services.

Gina Pranzitelli · Answer

Your plan G Medicare Supplement will pick up everything your Original Medicare does not pay for, expect the $283 medical deductible. That is your responsibility before your Plan G will pick up your remaining cost after your knee replacement surgery. If you have any further questions, I would be glad to assist you.

Answered by Gina Pranzitelli on February 2, 2026

Agent Licensed in TX, AZ, CA & 22 other states

Answered by Gina Pranzitelli Medicare Insurance Agent

April Cintron · Answer

Yes it will cover the total cost after your deductible has been met.  One the original Medicare Part B deductible has been met the plan G will pay 100%.

Claudia Englert · Answer

Yes.  Medicare pays and then your Medicare Supplement should cover the remaining cost after your yearly Part B deductible of $257,

Robert Fracchia · Answer

Yes. After meeting your deductible your Medicare Supplement plan G would cover what Original Medicare doesn't cover

Rodolfo Rojas · Answer

You have Part A and Part B
Medicare will cover your knee replacement if it is deemed as a necessary step. 
If your knee replacement is done at an inpatient hospital., Medicare part A will cover the cost. 
Plan G will cover the $1,676 deductible. 
Most likely this would be the process. If you get it done at outpatient, not having to stay overnight, you will be responsible for B deductible in plan B, which for this year is $257.00

Richard Norcross · Answer

Normally this surgery will be covered completely after you pay your Plan G deductible. Make sure all doctors and hospitals involved accept Medicare first before having the surgery.

Nydia Flores · Answer

Hello 
Medigap Plan G is a supplemental insurance and considered secondary insurance. The bill will generally go to the primary insurance first, which will be Medicare.  Medicare will cover at 80% of the Medical expenses.  The remaining balance will be sent to Medigap Plan G, which will cover the outstanding 20% balance.  You will be responsible for any copays or deductibles. 

Thank you
Nydia Flores

Patricia &#039;Tif&quot; Bush · Answer

Yes. Once you pay your annual outpatient deductible, the charges once approved by Medicare will be covered at 100%.

Vachik Chakhbazian · Answer

Yes, Medigap Plan G will help cover your knee replacement surgery costs after you meet your Part B deductible. Once you've met the deductible, Plan G will cover the remaining out-of-pocket costs, including copayments and coinsurance

Answered by Vachik Chakhbazian on April 17, 2025

Agent Licensed in CA, AL, AR & 22 other states

Answered by Vachik Chakhbazian Medicare Insurance Agent

Sue Mendoza · Answer

After your deductible, Medicare will pay first and then your Plan G will pay the rest. So once you meet your deductible, then all procedures are covered.

Garrett Ball · Answer

Yes, it will be covered in full by Medicare and your Plan G. After the deductible is met, Medicare pays 80% and the Plan G pays the other 20%.

Joseph Bachmeier · Answer

Your knee replacement is covered. Medicare will cover 80% and your supplement will cover the other 20% after your $257 deductible

Mary Brown · Answer

Medigap Plan G generally helps cover most Medicare-approved costs after you pay the Part B deductible, including many hospital and medical expenses related to surgery.

Your actual costs may depend on Medicare approval, the providers involved, and any non-covered services.

A licensed Medicare agent can help you understand your benefits and coverage before a procedure.

Tony Hardwick · Answer

Yes. It covers the "gap" after you reach the plan B deductible, but it doesn't cover the deductible itself.

Fran Lovelace · Answer

On plan "G" if it is done outpatient, you will have the deductible.  If it is inpatient, you will not have a deductible.  As long as it is a Medicare covered service, it will then be covered in full.

Steven Lovell · Answer

Yes, that is correct. If you have not covered your deductible, that should be your only responsibility. If you have covered your deductible, then it should cover everything with the exception of any additional pain medication you might have to take outside of the hospital

Answered by Steven Lovell on September 22, 2025

Broker Licensed in GA, AL, CA & 11 other states

Answered by Steven Lovell Medicare Insurance Agent

Tasha Riggs · Answer

Yes!! Once you meet the deductible you will have 100% as long as the providers you are seeing accept Medicare. Physical Therapist may not may not take Medicare so make sure they are contracted with them.

Answered by Tasha Riggs on March 27, 2025

Broker Licensed in CO, AZ, HI & 10 other states

Answered by Tasha Riggs Medicare Insurance Agent

Tonya Bell · Answer

As long as your Medicare covers it then your supplement will pick up everything after the deductible. Anything Medicare does not pay. The supplement will not pay.

Kim Humphries · Answer

Yes,  it will be covered.  Medicare pays first, then your plan G will pick up all of it except your part B deductabe of $288.00.

Mitch Anderson · Answer

After your deductible is met, you should see no exposure for costs for any Medicare eligible expenses associated with your knee replacement surgery. You would be responsible for any costs there are not Medicare eligible expenses.

Answered by Mitch Anderson on November 3, 2025

Agent Licensed in MN, IA & WI

Answered by Mitch Anderson Medicare Insurance Agent

Steve Schnell · Answer

Yes, once the Part B deductible is met. All Medicare covered costs will be paid by Medicare or your plan.

Kathleen Allison · Answer

Once your plan deductible is met, your covered medicare services performed by a provider that accepts medicare, 100% of your cost share is covered by the plan.

Stanley Wittenberg · Answer

Basically yes. The hospital costs and rehab in skilled nursing care are covered as well. The deductible for physicians part B is not but that is minor and you should be fine

Tony Merwin · Answer

In short, yes. You’ll need to fulfill your deductible but otherwise you’re covered including time spent in a skilled nursing facility to rehabilitate.

John Henley · Answer

hello, thanks for the enquire, Yes it will cover your surgery except your deductible you are required to cover each year. $283.00
John

Alaina Hunt · Answer

yes, for the most part your upcoming knee-replacement surgery should be covered under your Medigap Plan G after you have met your deductible.

Frankie Cochran · Answer

yes original medicare pays for most of it your medigap plan g pays for the rest of if less any deductibles or associated charges. these plans vary and it's important to make sure your health care providers work with medicare

Answered by Frankie Cochran on April 1, 2026

Agent Licensed in GA

Answered by Frankie Cochran Medicare Insurance Agent

Toni Chavez · Answer

Good morning & Happy Sunday!

Since you have Plan G you should only have to pay the annual Part B deductible $240.  

Thanks,
Toni Chavez
Medicare Broker

Robert Lukasik · Answer

Yes. You should not receive a bill but should receive an explanation of benefits and what was paid on your behalf.

Robert Nunn · Answer

Plan G has a once a year 250 deductible than as long as it is a Medicare covered expense you will be covered , Always ask do you accept Medicare , is this a Medicare covered procedure and what will be my portion before the operation or service , they have to inform you by law .

Answered by Robert Nunn on April 11, 2025

Agent Licensed in FL, AL, AR & 36 other states

Answered by Robert Nunn Medicare Insurance Agent

Gary Henderson · Answer

She covers it at 100%. Part B deductible only applies to outside the hospital doctor's visits. If you're having your surgery in a hospital, you're covered at 100%, no deductible

Nikki Rowland · Answer

You should not have any other out of pocket cost as long as you have met our yearly deductible.  2025 is $257

Al Saponar · Answer

As long as it is done by a provider that accepts Medicare, plan G will cover it.
your provider can give you an estimate of how the coverage will work.

Mike Henry · Answer

It should provided it was Dr recommended and Medicare approved. If there are any questions consult with your Dr’ s office. Make sure everything is properly coded

Daintee Hurst Dietz · Answer

If you are going to a medicare allowed facility and Dr accept medicare patients and it’s fair and reasonable, if should be covered. Again need the details of procedure.

Blaine Shipe · Answer

The short answer is yes. There are new procedures in place for a referral need for some surgeries however

Carol Thompson · Answer

It should cover it but I would reach out to your plan to Verify the coverage. The billing department of your insurance company can help you with this.

Frank Carta · Answer

That is an intelligent question, and I would like to text you the answer, but I am not very good

at texting. You do have the option to contact me if you choose, and I would be honored to

communicate with you if you do. Who knows, we might just have a valuable conversation.