Does Medicare Plan G Cover All Medical Expenses?

Medicare Plan G is a popular Medigap plan that offers extensive coverage for Medicare-approved expenses. However, it's essential to understand the scope of coverage provided by Plan G and the distinctions between Medicare-approved services and those that are not.

What Medicare Plan G Covers

Plan G covers both Part A and Part B expenses, including hospital stays, doctor visits, skilled nursing facility care, preventive services, and more. These services are considered Medicare-approved and are eligible for coverage under Plan G. However, it’s important to note that Plan G does not include coverage for prescription drugs, which is offered through Part D or Medicare Advantage plans with drug coverage.

Medicare-approved expenses are determined by Medicare guidelines and generally include medically necessary treatments, procedures, and services. These can range from diagnostic tests and surgeries to durable medical equipment and home healthcare. It’s crucial to confirm with your healthcare providers that the services you receive are Medicare-approved to ensure coverage under Plan G.

Considering a Medicare Advantage Plan

When considering switching from Medicare to a Medicare Advantage plan, it’s important to understand the implications. If you choose to leave Medicare as your primary insurance and enroll in a Medicare Advantage plan, you may not be reimbursed by Medicare for seeing doctors within the Medicare Advantage network. It’s crucial to review the provider network and understand the terms and limitations of the Medicare Advantage plan before deciding.

To navigate the complexities of Medicare coverage and understand the differences between various plans, seeking professional advice from an independent broker can be immensely helpful. Independent brokers have the expertise and knowledge to guide you through the nuances of different plans, explain the coverage options available, and assist you in finding the most suitable plan for your needs.

Independent Broker

Working with an independent broker is beneficial because their services are typically free to you as they are compensated by the insurance carriers. They can provide unbiased advice, compare different plans and prices, and help you understand the differences between Medicare-approved expenses, prescription drug coverage, and other aspects of your healthcare insurance.


In summary, while Medicare Plan G covers a wide range of Medicare-approved expenses, it’s important to be aware of the specific services included and excluded from coverage. Understanding the distinctions between Medicare-approved services and those covered under different parts of Medicare is crucial. Consulting with an independent broker can provide valuable insights and clarity in navigating the complexities of Medicare coverage and choosing the right plan for your healthcare needs.