Medicare Supplement High Deductible Plan G (HDG)

When you choose Traditional Medicare, you have the option to add a Medicare Supplement (Medigap) plan to fill the gaps in coverage. High Deductible Plan G (HDG) is a variation of the popular Plan G. It offers the exact same benefits as standard Plan G, but requires you to pay a higher deductible before the plan starts paying its share. In exchange, you pay a significantly lower monthly premium.

Benefits are standardized by federal law. This means that no matter which insurance company you buy your High Deductible Plan G from, the coverage is exactly the same. The only difference is the price and the company's customer service.

With High Deductible Plan G, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount before your policy pays anything. Once you meet this deductible, your HDG plan pays 100% of covered services for the rest of the calendar year.

This plan is designed for people who want the comprehensive coverage of Plan G but are willing to take on more upfront risk in exchange for lower monthly premiums. It's a great option if you have savings to cover the deductible and want to protect yourself against catastrophic medical expenses.

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