Medicare Supplement Plan G

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Comprehensive coverage for Medicare gaps — with freedom, flexibility, and peace of mind

Original Medicare doesn’t cover everything — but you don’t have to navigate the gaps alone. At Frisbie & Lohmeyer Insurance Services, we help Woodstock and McHenry County residents understand Medicare Supplement Plan G and choose coverage that offers strong protection, predictable costs, and nationwide provider access.

What Medicare Supplement Plan G Covers

Comprehensive protection for the costs Original Medicare doesn’t pay

Medicare Supplement Plan G (also called Medigap Plan G) helps cover many of the out-of-pocket expenses left behind by Original Medicare, including:

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Part A Hospital Costs & Deductible

Covers hospital coinsurance and the full Part A deductible to reduce major inpatient expenses

Part B Coinsurance & Copayments

Pays the 20% Medicare doesn’t cover for doctor visits, specialists, and outpatient services

Skilled Nursing Facility Coinsurance

Helps with extended recovery stays following hospitalization

Part B Excess Charges

Covers costs when doctors bill more than Medicare’s approved rate

Foreign Travel Emergency Coverage

Limited coverage for emergencies outside the U.S.

Note: Medicare Supplement Plan G does not cover the Medicare Part B deductible.

Key Benefits of Plan G

Covers Medicare Part A deductible

Pays Part B excess charges

Includes skilled nursing and foreign emergency coverage

Accepted by any provider who accepts Medicare

Helps keep medical expenses predictable and manageable

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How It Works

  • Simple steps to stronger coverage

    1. Enroll in Medicare Parts A & B
    2. Choose a Plan G policy through a private insurer
    3. Pay your annual Part B deductible
    4. Plan G covers most remaining eligible medical costs
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Who Should Consider Plan G?

  • Ideal for those who want strong coverage and freedom to choose providers

    Plan G is a great choice if you:

    • Want comprehensive benefits without the high costs of unexpected care
    • Prefer the freedom to see any doctor or specialist who accepts Medicare
    • Became eligible for Medicare after 2020 (Plan F is no longer available to you)
    • Value predictability and peace of mind over low monthly premiums with trade-offs

FAQs – What Woodstock Clients Ask About Medicare Supplement Insurance

  • Do I need Medicare Supplement if I have Medicare?

    Yes. Original Medicare covers about 80% of costs — a supplement helps cover the rest.

  • Is Medicare Supplement the same as Medicare Advantage?

    No. Supplement plans work with Original Medicare. Advantage plans replace it. We’ll explain the differences clearly.

  • When should I enroll in Medicare Supplement?

    Your six-month open enrollment period is the best time. We’ll walk you through your timing and options.

  • Can I choose my own doctors?

    Yes. Most Medicare Supplement plans — including Plan G — allow you to see any provider who accepts Medicare.

  • What if I already have a plan?

    We’ll review your current coverage and compare options to see if there's a better fit for your needs today.

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Let’s Talk

Medicare Supplement Plan G

Local guidance. Clear answers. Personal support.

We’ll help you compare Plan G options, understand pricing differences between carriers, and enroll with confidence — all with personal, local support from a team that knows Woodstock and cares about your future.