Medicare Supplement

High Deductible Plan G

High Deductible Plan G

Highlights

Medigap High Deductible Plan G

highlights:

  • Identical to Plan G after deductible is met

  • A less expensive alternative to the main all Medigap plans

  • Use with any doctor that accepts Medicare

  • Original Medicare continues to pay while you reach the plan deductible

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Comparison of Popular Medigap Plans

Basic benefits*, including 100%

Part B coinsurance

Part A deductible

Part B deductible

100% Part B excess charges

$0 plan deductible

$203 Part B deductible

$20 copayment for office visit; $50 copayment for ER

$203 Part B deductible

Not covered

Plan HDG

(after deductible)

$203 Part B deductible

$2340 annual plan deductible

*Basic benefits: 

  • Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.

  • Medical Expenses: Part B coinsurance (generally 20% of Medicare-approved expenses) or copayments for hospital outpatient services. Plans K, L, and N require insureds to pay a portion of Part B coinsurance or copayments.

  • Blood: First 3 pints of blood each year.

  • Hospice: Part A coinsurance.

UntedHealhcare Medicare Solutions
Cigna Medicare Plans
Transamerica Premier Life Inurance Company
Mutual of Omaha Medicare Plans
Aetna Medicare Plans
United American Insurance Company

How Much Does Medigap

High Deductible Plan G Cost?

What Does Medigap

High Deductible Plan G Cover?

In January 2020, High Deductible Plan F was eliminated as an option for newly-eligible Medicare enrollees and replaced with High Deductible Plan G. The plan is identical to High Deductible Plan F except it does not cover the Part B deductible ($203 in 2021). As the name implies, High Deductible Plan G also has its own deductible. In 2020, the annual deductible is $2,340. While meeting the plan deductible, Original Medicare continues to pay its share (generally 80% of medical expenses). 

After reaching the $2,340 deductible, High Deductible Plan G covers:

  • Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.

  • Medical Expenses: plan pays Part B deductible and balance of Medicare-approved expenses after Original Medicare pays 80%. 

  • Blood: First 3 pints of blood each year.

  • Hospice: Part A coinsurance.

  • Skilled Nursing Facility Care: up to 100 days of skilled nursing facility care.

  • Part B Excess Charges: 100% of Part B excess charges.

  • Foreign Travel Medical Services: after a $250 deductible during the first 60 days, the plan pays 80% of the remainder of charges up to a lifetime maximum of $50,000.

Should You Choose Medigap High Deductible Plan G?

Medicare Supplement High Deductible Plan G is a good alternative to the main Medigap plans for those looking to save on monthly premiums. Once the plan's $2,340 (in 2020) deductible is met, the plan is identical to Plan G. This means there are virtually no out-of-pocket medical expenses after the deductibles are met. 

High Deductible Plan G can be a nice choice for those who may be tempted by the premium savings offered by a Medicare Advantage plan, but who want the freedom to go to any doctor that accepts Medicare. 

Medigap High Deductible

Plan G Topics