Florida 2-15 Life, Health and Variable Annuity AgentFlorida Laws and Regulations Specific to Health InsuranceHard
A Florida health insurance agent is explaining Medicare Supplement plans to a client. The client is interested in Plan G. Which of the following benefits is NOT covered by Medicare Supplement Plan G?
- AMedicare Part A deductible
- BMedicare Part B deductible
- CSkilled Nursing Facility (SNF) coinsurance
- DForeign travel emergency (80% up to plan limits)
Show answer & explanationAnswer & explanation
Correct answer: B. Medicare Part B deductible
Medicare Supplement Plan G is comprehensive, but it does NOT cover the Medicare Part B deductible. This is a key distinction from Plan F, which covers all deductibles and coinsurance.
Why the other options are wrong
- A. Plan G covers the Medicare Part A deductible, making this a covered benefit.
- C. Plan G covers Skilled Nursing Facility (SNF) coinsurance, making this a covered benefit.
- D. Plan G covers 80% of foreign travel emergency costs up to plan limits, making this a covered benefit.
Medicare Supplement Plan G (FL)
A standardized Medicare Supplement (Medigap) plan in Florida that covers most out-of-pocket costs not covered by Original Medicare, except for the Medicare Part B deductible.
- Covers Medicare Part A deductible, coinsurance, and hospital costs
- Covers Medicare Part B coinsurance/copayment
- Does NOT cover Medicare Part B deductible
- Includes foreign travel emergency coverage
Memory trick: Plan G: Great coverage, but Part B deductible is your fee.