Royal Neighbors Medicare Supplement Plan G for Michigan is nearly identical to a Plan F. Both offer Michigan seniors comprehensive coverage and are among the most robust of all Medicare Supplements. The only difference is that Plan G requires the beneficiary to pay the Medicare Part B deductible out-of-pocket. It is an excellent plan.
Here's how this Medigap plan covers you:
- Medicare Part A hospital coinsurance and all costs up to 365 days after Original Medicare benefits are exhausted
- Part A hospice care coinsurance or co-payment
- Part A deductible
- Medicare Part B preventive care coinsurance coverage
- Part B coinsurance or co-payment coverage
- Part B excess charges
- First three pints of blood for a medical procedure
- Skilled Nursing Facility (SNF) care coinsurance coverage
- Foreign travel emergency coverage
Most Medicare Supplements do not cover Part B excess charges. This is one of the important reasons that this plan may be of interest, particularly if you have frequent medical needs. Excess charges are additional expenses incurred outside of the Medicare-approved charge. Because Plan G covers the Part B excess charges, all of the out-of-pocket costs are covered.
Coverage and Costs
Royal Neighbors of America services this Plan G, however the coverage details are the same no matter where the policy is purchased, although costs and availability will vary by provider. We recommend shopping around to find a price that works best for you.
The chart below explains how this plan covers the portions of Medicare Part A (hospital insurance) that are not paid by Medicare.
The following table details how the plan covers the portions of Medicare Part B (medical insurance) that are not paid by Medicare.
Prescription Drug Coverage
The 10 standardized Medicare Supplements do not cover prescriptions. Add a Medicare Part D Plan (PDP) for prescription coverage. Here are a few plans available to you in Michigan:
|Express Scripts Medicare - Saver (PDP)||$22.60||$405.00|
|Prescription Blue Option B (PDP)||$102.60||$0.00|
|Prescription Blue Option B (PDP)||$124.80||$0.00|
|AARP MedicareRx Walgreens (PDP)||$22.40||$400.00|
|Express Scripts Medicare - Choice (PDP)||$86.50||$350.00|
|AARP MedicareRx Saver Plus (PDP)||$50.20||$405.00|
|Magellan Rx Medicare Basic (PDP)||$37.00||$400.00|
|AARP MedicareRx Walgreens (PDP)||$26.70||$405.00|
|First Health Part D Value Plus (PDP)||$39.00||$0.00|
|Basic Blue Rx (PDP)||$28.60||$400.00|
Foreign Travel Coverage
Medicare does not pay for your healthcare (including emergencies) when you travel outside of the United States of America and its territories. If you travel, be sure to enroll in a plan that will cover you at the level you need.
|Foreign Travel Emergency:|
Royal Neighbors of America Insurance Rating
Royal Neighbors of America has a Excellent rating from A.M. Best Company, the #1 source for insurance industry rating information. If this was a star rating it would be 4.5 out of 5 stars (Excellent). Use this information as a measure of the financial stability of the insurance carrier when considering Royal Neighbors Medicare Supplement Plan G.
Royal Neighbors Medicare Supplement Plan G is available to all Michigan Medicare beneficiaries, ages 65 and older, enrolled in Medicare Part B. If you are just turning age 65, you have guaranteed issue rights and cannot be turned down. Plus, this insurance policy cannot be canceled. It will continue to be renewed as long as you pay the premiums on time and make no material misrepresentations.
Medicare Supplement insurance is available from Royal Neighbors of America in Detroit, Warren, Dearborn, Grand Rapids, Flint, Lansing, Sterling Heights, Ann Arbor, Livonia, Dearborn, Clinton, Westland, Kalamazoo, Southfield, Troy, Pontiac, Taylor, Saginaw, Saint Clair Shores, Waterford, Royal Oak, Wyoming, Dearborn Heights, and most other Michigan cities and locations.
Tips and Disclaimers
The Medicare Supplement plan data on MedicareWire.com comes directly from Medicare.gov and private sources and is subject to change. The Centers for Medicare and Medicaid Services, the Michigan State Insurance Commission, and Royal Neighbors of America has neither reviewed nor endorsed the information on this site.
The benefit information provided on this page is a brief summary only, not a complete description. Limitations and restrictions may apply. For more information contact the insurance carrier directly at http://www.royalneighbors.org.
The MedicareWire.com website is available for educational purposes. Our goal is to present information accurately and without bias, based on our interpretation of factual information. However, this site is not intended as a substitute for legal, health, or financial advice from a licensed professional. On this page we help comsumers:
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This Medicare Supplement insurance information is maintained by David Bynon and was last updated on .
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