High Deductible Medicare Supplement Plan G
Plan G Coverage at a Fraction of the Premium
What Is High Deductible Medicare Supplement Plan G?
High Deductible Plan G (HD-G) offers the same comprehensive coverage as standard Plan G but requires you to pay a deductible ($2,950 in 2026) before the plan begins covering your Medicare costs. In exchange, premiums are dramatically lower - often $30–$80/month compared to $100–$300 for standard Plan G.
HD-G was introduced in 2020 as an alternative to High Deductible Plan F (which became unavailable to new enrollees). It functions identically to standard Plan G once the deductible is met - covering 100% of Medicare-approved costs including Part B excess charges and foreign travel emergency.
The financial math for HD-G is straightforward: compare your annual premium savings to your expected out-of-pocket costs. If you save $1,800/year in premiums and typically spend less than $2,950 in Medicare cost-sharing, HD-G comes out ahead. Many healthy Medicare beneficiaries find that they never come close to hitting the deductible.
HD-G is particularly attractive for people who are newly eligible for Medicare and in good health. The premium savings can be invested or used to build a health savings buffer. As you age and healthcare needs increase, you can always switch to standard Plan G (subject to medical underwriting outside your initial enrollment period).
Key Highlights
- Premiums typically 60–75% lower than standard Plan G
- Same comprehensive coverage as Plan G - after the deductible
- Annual deductible: $2,950 in 2026
- Covers Part B excess charges (unlike Plan N)
- Ideal for healthy enrollees who rarely need care
What Does Plan HD-G Cover?
Part A hospital coinsurance & costs (up to 365 days after Medicare benefits)
After deductible
Part A hospice care coinsurance or copayment
After deductible
Part A deductible ($1,736 in 2026)
After plan deductible
Part B coinsurance or copayment
After deductible
Part B excess charges
After deductible
Part B deductible ($283 in 2026)
Counts toward plan deductible
Blood (first 3 pints)
After deductible
Skilled nursing facility coinsurance
After deductible
Foreign travel emergency (up to plan limits)
After deductible
All Medigap plans are standardized by federal law. Benefits are identical regardless of which insurer you choose.
Plan HD-G Pros & Cons
Pros
- ✓ Dramatically lower premiums - often $30–$80/month vs $100–$300 for standard Plan G
- ✓ Same comprehensive coverage as Plan G once deductible is met
- ✓ Covers Part B excess charges
- ✓ Annual savings on premiums can exceed the deductible for healthy people
- ✓ Includes foreign travel emergency
Cons
- ✗ You pay all Medicare costs until you reach the $2,950 deductible
- ✗ Can be expensive in years with significant medical needs
- ✗ Requires financial discipline - must be able to cover deductible if needed
- ✗ Less predictable costs than standard Plan G
Frequently Asked Questions
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