Why Choose High Deductible Plan G

High Deductible Plan G offers the same benefits as standard Plan G but with a higher deductible ($2,950 in 2026) and a much lower monthly premium. Once you meet the deductible, the plan pays 100% of costs that Plan G would cover. This makes HDG ideal for healthy seniors who want comprehensive coverage and lower premiums.

High-deductible Plan G premiums are often dramatically lower than standard Plan G premiums. For example, a 65-year-old nonsmoker might pay about $135 per month for a regular Plan G but only around $46 per month for the high-deductible version. At age 85, averages are about $199 per month for regular Plan G versus $69 for the high-deductible plan. To offset the higher deductible ($2,950 in 2026), a Plan G premium would need to be roughly $245 more per month than HDG—which is rarely the case—so the HDG generally saves money for people with moderate health care use.

Medicare Advantage plans can have low or zero premiums, but they come with provider networks, referrals, and multiple copays. They also carry a maximum out-of-pocket limit that can be as high as $9,250 (the median is around $5,900). High Deductible Plan G lets you see any doctor nationwide with no networks or referrals and covers almost all costs once you meet the deductible. Many seniors prefer the predictability and flexibility of HDG over the uncertainty of Medicare Advantage.

Medigap plans, including High Deductible Plan G, give you the freedom to see any doctor or hospital nationwide, without networks or referrals. Once you meet your deductible there are no copays, and you can switch carriers if rates change. Medicare Advantage plans, on the other hand, require networks, referrals and copays and can change benefits annually.

High-deductible Plan G works best for people who are relatively healthy and don't anticipate heavy medical use. With HDG you trade a higher annual deductible for significantly lower monthly premiums. If you expect high medical costs each year, a regular Plan G may ultimately cost less. Consider your health needs, budget and comfort with potential out-of-pocket costs to decide whether HDG is the right fit.

Ready to enroll in High Deductible Plan G? Schedule your HDG enrollment in minutes using our online calendar. We'll walk you through your coverage options, confirm your Medicare dates, and complete your application so you can start saving as soon as your Medicare begins.

Medicare Advantage plans limit your annual spending with a maximum out-of-pocket (MOOP) that can be as high as $9,250 (median $5,900). High Deductible Plan G has a fixed annual deductible of $2,950 in 2026; once it's met, the plan pays 100% of Medicare-covered costs. Regular Plan G has no MOOP but includes higher premiums. Comparing MOOP and deductible amounts helps you understand your worst-case costs.

High Deductible Plan G costs around $46-$69 per month for a 65-year-old nonsmoker, while regular Plan G can range from $135 to $199. Medicare Advantage plans may advertise $0 premiums, but you pay copays for every service. HDG has a $2,950 deductible (2026) that caps your annual costs after it is met. Plan G has a $0 deductible but much higher monthly premiums. This comparison shows how lower premiums and a capped deductible can save many seniors $1,500–3,000 every year.

High Deductible Plan G lets you see any doctor or hospital nationwide without network restrictions or referrals. Once you meet your deductible, there are no copays and you have the freedom to switch carriers if rates change. In contrast, Medicare Advantage plans restrict you to provider networks, require prior authorizations, have copays for each service, and benefits can change each year.

See how High Deductible Plan G can save seniors thousands annually. For example, a 65-year-old nonsmoker might pay about $46 per month for HDG versus around $135 for a regular Plan G (about $69 vs. $199 at age 85). Even with the $2,950 deductible (2026), many seniors save $1,500–3,000 a year. Your break‑even point is roughly the deductible divided by 12 (≈ $245 per month). Compare costs in different scenarios to find your best value.

High Deductible Plan G is ideal for healthy seniors who only see the doctor a few times a year and want the security of full Medigap coverage at the lowest premium. It’s great for those who can budget for the $2,950 deductible (2026) and who value the freedom to see any doctor nationwide without referrals or copays after the deductible. If you have chronic conditions or expect frequent care, a standard Plan G may be a better fit to avoid the higher deductible.

Ready to make the smartest Medicare decision? Schedule your enrollment now. We’ll review your options, answer your questions, and complete your HDG application in just a few minutes. Use the button below to choose a time.