Are you looking at Aetna senior products for Plan G? Know that it isn’t your only option.
We know that Medigap Plan G can eliminate nearly all surprise medical bills, giving you the peace of mind you deserve in retirement.
Medicare leaves gaps that can cost you thousands.
Original Medicare has no annual out-of-pocket limit, meaning your costs could be unlimited without proper supplemental coverage.
At Senior Benefit Services, we’ve helped thousands of seniors navigate these decisions with confidence, saving them both money and stress along the way.
Plan G works like having a financial bodyguard for your healthcare.
While Medicare covers the basics, Plan G steps in to handle what Medicare leaves behind.
Think of Medicare as your car insurance covering major accidents, but Plan G covers the deductible, the rental car, and even towing fees.
The only gap? You pay Medicare’s annual Part B deductible of $257.
After that, your medical expenses become as predictable as your electric bill.
“I worried about Medicare costs when I turned 65. Senior Benefits explained Plan G clearly, and now I have peace of mind. When my husband needed surgery, we only paid the $257 deductible instead of thousands out-of-pocket.” Linda M., Maryland
Let’s talk real money from real scenarios.
Plan G premiums vary significantly by location, age, and insurance company.
In 2025, monthly premiums typically range from $120 to $200 for a 65-year-old, depending on your state and chosen carrier.
Estimated monthly premium: $150
Annual premium cost: $1,800
Part B deductible: $257
Total before any medical care: $2,057
Compare that to Medicare’s potential out-of-pocket exposure.
Without supplemental coverage, just one hospital stay could cost thousands in deductibles and coinsurance.
The Medicare Part A deductible alone is $1,676 per benefit period.
Add 20% coinsurance for Part B services, and costs add up quickly.
Plan G turns unpredictable medical expenses into a manageable $257 annual deductible.
“Senior Benefits helped me understand Medicare options when I felt overwhelmed. Their advisor explained the differences clearly and helped me choose Plan G. Now I have confidence in my coverage decisions.” — Robert K., West Virginia
Plan N has become the budget-conscious alternative to Plan G.
It’s like choosing between a premium coffee and a good regular brew.
Both get the job done, but the experience differs.
Plan G eliminates all copays after the deductible.
Our clients typically save money by choosing the right plan for their situation through expert guidance.
Plan G premiums vary by carrier and location, making comparison shopping essential.
One client chose Plan N and appreciates the lower monthly premium despite small copays.
Another selected Plan G for complete peace of mind with zero copays after the deductible.
The choice depends on your healthcare usage and budget preferences.
High-Deductible Plan G might be the best-kept secret in Medicare.
It works like having excellent car insurance with a higher deductible.
Lower monthly payments, but you cover more costs upfront if something happens.
Regular Plan G premium: ~$150/month ($1,800 annually)
High-Deductible Plan G: ~$65/month ($780 annually)
Premium savings: Over $1,000 per year
But you must pay the first $2,870 of Medicare-approved expenses each year. Now don’t let that deductible scare you, because the what most people don’t realize is that their biggest exposure out of the gate is the Part A deductible of Medicare. The way that the High-G works under Part B of Medicare is that while you will have to meet your Part B deductible for the year, after that any Medicare approved charges under Part B will be paid at 80% by Medicare and you would only pay the other 20%.
Here is an example of someone who has already met their Part B deductible for the year and then go to a doctor that Medicare approves a $150 charge for.
As you can see, two of the main areas that have the largest exposure where you could reach the plan deductible in a month would typically either be from a hospital stay or an expensive outpatient surgery. The good news is that there is a way to help reduce or even eliminate that exposure. It’s called a hospital indemnity plan and they are extremely affordable.
Skip it if:
“Senior Benefits helped me choose High-Deductible Plan G after explaining how it works. The lower premiums fit my budget perfectly, and I appreciate having comprehensive coverage if I need it.” James T., Pennsylvania
All Plan G policies offer identical coverage.
Shopping becomes purely about price, company stability, and service quality.
Think of it like buying the same medication at different pharmacies.
The medicine works identically everywhere, but prices vary dramatically.
Choosing between Plan G and Medicare Advantage feels like picking between a luxury hotel and a budget chain.
Both provide shelter, but the experience differs completely. With a Plan G Medicare Supplement you know that after you meet your annual Part B deductible that you will have all approved Medicare charges covered. This is due to the plans benefits that you are paying a larger monthly premium for. With a Medicare Advantage plan that may have a low monthly premium of say $20 per month or even less you are basically sharing the cost of your care with the insurance company. That is why the premium is so low compared to a Medicare Supplement plan. Does that mean that Medicare Advantage plans are not as good as Medicare Supplement Plan G? No! It just means that you will be paying certain costs throughout the year such as doctor and inpatient hospital co-pays, co-insurance payments for lab work and other services.
Medicare Advantage caps your annual out-of-pocket spending, but that cap can be $3,000 on up to over $9,000 depending on the plans available in the county you reside in.
Plan G has no annual limit, but with comprehensive coverage, you rarely approach significant expenses.
The choice depends on your priorities: flexibility and comprehensive coverage (Plan G) or lower premiums with some restrictions (Medicare Advantage).
Miss your Medigap enrollment window, and you might pay the price for years.
Literally.
Your golden opportunity: 6-Month Medigap Open Enrollment Period
This starts the month you turn 65 AND enroll in Medicare Part B.
During this window:
Outside this window:
We’ve seen healthy 66-year-olds denied coverage due to minor health issues.
Don’t become a cautionary tale.
Every month you delay your Medicare decision can cost you money out of pocket and peace of mind.
Sarah waited six months past her initial enrollment period to buy Plan G.
Now she has to answer medical questions which could cause her to be denied by some carriers, including the lower costing plan she wanted.
Don’t let this happen to you.
Medicare doesn’t pause for second thoughts or “better timing.”
The clock starts ticking the moment you turn 65 and enroll in Part B.
Miss your window, and you might face:
Medicare has over 60,000 pages of rules and regulations.
Do you really want to navigate that maze alone?
Partner with licensed Medicare experts who speak the language fluently.
At Senior Benefit Services, we’ve seen every scenario and solved every problem.
Our clients benefit from:
We don’t just sell insurance.
We build relationships based on trust, expertise, and genuine care for your future.
Stop wondering if you’re making the right choice. Get expert guidance from Senior Benefits and make your Medicare decision with complete confidence.
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