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?
Answered by 11 licensed agents
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
You should not have any other out of pocket cost as long as you have met our yearly deductible. 2025 is $257
Answered by Nikki Rowland on April 14, 2025
Broker Licensed in SC & NC
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.
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%
Yes. After meeting your deductible your Medicare Supplement plan G would cover what Original Medicare doesn't cover
Answered by Robert Fracchia on March 25, 2025
Broker Licensed in MI, FL & NC
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.
Answered by Tonya Bell on March 26, 2025
Agent Licensed in SC
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 & PA
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
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
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 Bob Nunn on April 11, 2025
Agent Licensed in FL, AL, AR & 36 other states
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%.
Answered by Garrett Ball on April 23, 2025
Broker Licensed in NC, AL, AR & 38 other states
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Coverage
Medicare Supplement
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