Aflac Medicare Supplement Plan G
- Learn about Aflac Medicare Supplement Plan G, including what it covers, how it compares to other Medigap plans and how you can apply for Plan G if it's the best plan for you.
Aflac stopped selling Medicare Supplement Insurance (also called Medigap) in 2013 before bringing the product back to its lineup in 2022. And the popular Plan G is included among Aflac’s new plan lineup available to Medicare beneficiaries.
Read about Aflac Medicare Supplement Plan G to find out what makes it such a popular plan and find out if it might be the right Medigap plan option for you.
If you’re considering a Medicare Supplement plan to help cover your out-of-pocket Original Medicare (Part A and Part B) costs like deductibles and copays, you can request a free quote to compare plans online. You can also call to chat with a licensed insurance agent who can help you learn about and compare plans where you live.
What Does Aflac Medicare Supplement Plan G Cover?
Of the nine benefit areas covered by Medicare Supplement Insurance (Medigap), Plan G provides the maximum allowable coverage in eight of those areas. Plan G offers the highest level of coverage available to new Medicare beneficiaries, as Plan F is only available to beneficiaries who became eligible for Medicare before 2020 or who already have Plan F.
Plan G from Aflac or from any other Medigap insurance company will include coverage for the Medicare costs listed in the chart below that compares Plan G to other types of Medigap plans.
|Medicare Supplement Benefits||A||B||C1||D||F1||G||K||L||M||N|
|Part A coinsurance and hospital costs||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓|
|Part B coinsurance or copayment||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|First 3 pints of blood||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|Part A hospice care co-insurance or co-payment||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|Co-insurance for skilled nursing facility||✓||✓||✓||✓||50%||75%||✓||✓|
|Medicare Part A deductible||✓||✓||✓||✓||✓||50%||75%||50%||✓|
|Medicare Part B deductible||✓||✓|
|Medicare Part B excess charges||✓||✓|
|Foreign travel emergency||80%||80%||80%||80%||80%||80%|
|1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,490 in 2022. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $6,620 in 2022. Plan L has an out-of-pocket yearly limit of $3,310 in 2022.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.
Medicare Part A Deductible
Each new benefit period requires Medicare beneficiaries to meet a deductible before Part A coverage kicks in. Medicare Supplement Plan G covers this deductible in full, allowing your Part A benefits to take effect immediately.
Medicare Part A Coinsurance
Once the Part A deductible is met, daily coinsurance payments are required when beneficiaries receive hospital inpatient care. Medigap Plan G such as the plans sold by Aflac will cover the full cost of these coinsurance charges.
Medicare Part B Coinsurance and Copayments
Medicare Part B also has coinsurance and copayments that are charged after the annual Part B deductible has been satisfied. These charges are typically 20% of the Medicare-approved amount, and all of it is covered by a Medicare Supplement Plan G.
Part A Hospice Care
Medicare Part A requires small copayments and coinsurance for respite care and any products or prescriptions used to alleviate pain and manage symptoms during hospice care. These charges are covered 100% by Aflac Medigap Plan G.
Part A Skilled Nursing Facility Care Coinsurance
Just as with hospital stays, inpatient stays in a skilled nursing facility come with daily coinsurance payments under Part A, all of which are covered in full by Aflac Plan G.
Part B Excess Charges
Some doctors and other health care providers are allowed to charge up to 15% more than the Medicare-approved amount, and those excess charges are generally passed onto the patient. But those with an Aflac Plan G will have those excess charges covered in full.
First Three Pints of Blood
Original Medicare does not cover the first three pints of blood used during a transfusion, but Aflac Medicare Supplement Plan G does.
Foreign Emergency Care
Only under rare circumstances does Medicare cover emergency care received outside of the U.S. Medigap Plan G covers such care at 80% of the cost, however, which is the most allowed by law.
What Does Aflac Medicare Supplement Plan G Not Cover?
The only Medigap benefit area not covered by Aflac Plan G is the Medicare Part B deductible. This deductible is owed before most Part B coverage takes effect. In 2022, the Part B deductible is $233 per year.
Plan F and Plan C cover the Part B deductible, but each plan is only available to those who became eligible for Medicare before January 1, 2020. Because of this, Plan G represents the plan with the highest level of coverage available to new Medicare beneficiaries.
How Much Does Aflac Medicare Supplement Plan G Cost?
The best way to determine how much you might pay for Medicare Supplement Plan G from Aflac is to contact a licensed insurance agent. Rates can vary widely from one person to the next based on age, location, gender and the timing of your enrollment, so an agent can customize a quote that is specific to you.
What Are the Benefits of Enrolling in Aflac Medigap Plan G?
There are a few advantages of enrolling in Aflac’s Medicare Supplement Plan G aside from the coverage offered.
For one, there are no network restrictions. You can use your Aflac Plan G anywhere that Original Medicare is accepted. So when you travel away from home, your Plan G benefits go with you.
When you enroll in Plan G with Aflac, your rate is locked in for a full year. And during the first 30 days of your enrollment, you can return the plan for any reason and receive a full refund of any premiums you’ve paid. At the end of each year, your coverage is guaranteed to be renewed as long as you’re paid up on all your premiums. Aflac cannot cancel or reduce your benefits for any other reason.
Am I Eligible for Aflac Medigap Plan G?
In order to apply for Aflac Medigap Plan G, you must meet each of the following criteria:
- You are enrolled in both Medicare Part A and Part B
- You are at least 65 years old (in most states)
- You live in an area in which Aflac sells Plan G
When Is the Best Time to Apply for Aflac Medicare Supplement Plan G?
The best time to enroll in a Medicare Supplement Insurance plan is during your Medigap Open Enrollment Period. This period begins the month you are at least 65 years old and enrolled in both Part A and Part B and lasts for six months. During this time, insurance companies like Aflac are not allowed to issue health questions, physical exams or other forms of medical underwriting to determine your rates.
You may still enroll in a Medigap plan outside of this enrollment period, but insurance companies then maintain the right to use medical underwriting and base your premiums on your health.
How Can I Apply for Medicare Supplement Plan G?
Use the button below to get connected with a licensed insurance agent who can help you explore the Medicare Supplement plans available in your area from Aflac and other carriers so you can find the most affordable coverage for your needs. It’s important to remember that Medicare Supplement Insurance benefits are standardized across all carriers, so there may be a plan available in your area offering the exact same coverage at a lower rate.