Medigap Plan G High Deductible
The Smart, Low-Cost Medicare Supplement
Medigap Plan G High Deductible gives you the same comprehensive coverage as standard Plan G — at premiums that can be 40–60% lower. It's the plan built for healthy seniors who want real protection without overpaying.
Premiums up to
60% Lower
than standard Plan G
What Is Medigap HDG?
Medigap Plan G High Deductible (HDG) is a Medicare supplement plan that works like standard Plan G — covering your Medicare cost-sharing gaps — but with a lower monthly premium in exchange for a modest annual deductible. Once you meet that deductible (set each year by Medicare), the plan covers 100% of your remaining approved costs. For healthy seniors, the premium savings often far exceed the deductible, making HDG one of the most cost-effective Medicare supplement options available.
Why HDG
The Case for High Deductible Plan G
Significantly Lower Premiums
HDG premiums can be 40–60% less than standard Plan G. For many seniors, that means hundreds of dollars saved every month — money that stays in your pocket.
Same Coverage as Plan G
After meeting the annual deductible, HDG covers everything standard Plan G covers — including Medicare Part A and Part B cost-sharing, skilled nursing, and foreign travel emergencies.
Predictable Out-of-Pocket Maximum
The annual deductible is set by Medicare each year, giving you a clear ceiling on what you'll ever owe. No surprises, no open-ended exposure — just a defined number you can plan around.
Pairs Perfectly with an HSA
If you have a Health Savings Account, HDG is one of the few Medigap plans that works alongside it. Use pre-tax HSA dollars to cover your deductible and maximize your savings.
Who It's For
Is HDG Right for You?
Medigap HDG isn't for everyone — but for the right person, it's an exceptional value. Here's who tends to benefit most:
Generally Healthy Seniors
If you rarely use your Medicare benefits, you'll likely never hit the deductible — and you'll pocket the premium savings every single month.
Budget-Conscious Retirees
Lower premiums mean more flexibility in your retirement budget. HDG lets you keep more of your fixed income while maintaining solid coverage.
HSA Account Holders
Pair your existing Health Savings Account with HDG to cover the deductible with pre-tax dollars — a powerful combination for tax-efficient healthcare spending.
Ready to Explore HDG?
We'll walk you through your options clearly and honestly — no pressure, no jargon. Just straightforward guidance to help you find the right plan.
No obligation. No pressure. Just clear answers.