Being in a hospital for a short period is traumatic enough; imagine if you had to be in a place that is not your own, for an extended period of time – where all the while, you are not free to do what you want! Sounds horrendous, doesn’t it? Though hospices try to make your stay worthwhile, pleasant, and by and large comfortable, what you are not ready for is the amount that you might have to pay to stay in a facility like that. To understand the intricacies of this, it is necessary to differentiate between a hospice and a hospital. While the former is a place where adequate care is given to those who are recovering from an illness, the latter is one where medical care is essential and immediate. If you are able to get a clear idea about the difference in the two terms, you can also comprehend Medicare Part G better.
Let Us Find Out What Part G Includes
One of the most difficult things that can happen to a sick person is the realization that they are unable to pay a medical bill. What usually happens is this: you might have a Medicare coverage of about $100 for a doctor’s visit. When you have fixed an appointment and visited the doctor, you realize that he is going to charge you about 20% more – which means that you have to cough up the remaining $20. A one-time payment of $20 is not a problem; but what happens if you have to do this repeatedly? This is when paying a premium on a Part G plan makes a lot of sense, as these extra amounts are covered, and you don’t have to pay it from your pocket.
What About Other Plans – Aren’t They The Same?
Most of the other plans don’t cover these excess charges – these are also referred to as Part B excess charges. When you sign up for a plan B or C, you will find that you have to pay every time you go to a hospital or a doctor and they charge a little bit more than what your insurance covers.
However, all these plans follow the guidelines that are laid down by the central authority or the federal department that is in charge of the insurance sector and the companies that are part of it.