Learn About High Deductible Plan G
Medicare Supplement Plan G is one of the most comprehensive Medigap plans available to new Medicare beneficiaries (those eligible for Medicare on or after January 1, 2020). It covers almost all out-of-pocket costs associated with Original Medicare (Part A and Part B), leaving you with very few remaining expenses.
Plan HDG does not cover:
Medicare Supplement High-Deductible Plan G (HDG) — What It Does Not Cover / How It Differs from Plan G (2026):
HDG does not pay any Medicare-approved costs until you first meet the annual high deductible, meaning you are responsible for all Medicare Part A and Part B deductibles, copays, and coinsurance out of pocket up to that amount. Unlike standard Plan G, HDG does not provide first-dollar coverage after the Part B deductible—coverage only begins once the full HDG deductible is satisfied. HDG also does not cover prescription drugs (a separate Part D plan is required) and does not include routine dental, vision, or hearing benefits. The primary difference from Plan G is the higher upfront cost exposure in exchange for typically lower monthly premiums.
Plan G covers:
High-Deductible Plan G (HDG) covers (how coverage works):
- Part A Coinsurance & Hospital Costs: After you meet the annual HDG deductible, the plan covers 100% of Part A coinsurance and hospital costs for an additional 365 days after Medicare benefits are exhausted. Until the deductible is met, you pay these costs out of pocket.
- Part B Coinsurance or Copayment: Once the HDG deductible is satisfied, the plan covers 100% of Part B coinsurance or copayments (generally the 20% Medicare does not pay). Prior to meeting the deductible, you are responsible for these costs.
- Blood (First 3 Pints): After meeting the HDG deductible, the plan covers the cost of the first 3 pints of blood each year. These expenses count toward the deductible if incurred beforehand.
- Part A Hospice Care Coinsurance or Copayment: HDG covers 100% of Medicare-approved hospice coinsurance or copayments, but only after the high deductible has been met.
- Skilled Nursing Facility (SNF) Care Coinsurance: Once the deductible is satisfied, HDG pays 100% of the skilled nursing facility coinsurance. SNF costs apply toward the deductible if incurred before coverage begins.
- Part A Deductible: The Part A deductible is fully covered by HDG, but only after you meet the annual high-deductible amount. Until then, you pay it yourself and it counts toward the deductible.
- Part B Excess Charges: After the HDG deductible is met, the plan covers 100% of Part B excess charges (up to 15% above the Medicare-approved amount), providing the same protection as standard Plan G.
- Foreign Travel Emergency: HDG covers 80% of approved foreign travel emergency costs (subject to plan limits and lifetime maximums) after both the plan’s small foreign travel deductible and the annual HDG deductible are met.
What does a Plan-G Medicare Supplement cover?
| Benefit | Plan G Coverage |
|---|---|
|
Part A Coinsurance & Hospital Costs (up to an additional 365 days after Medicare benefits are used) |
✔ 100% after HDG deductible is met |
|
Part B Coinsurance or Copayment |
✔ 100% after HDG deductible is met |
|
Blood (First 3 Pints) |
✔ 100% after HDG deductible is met |
|
Part A Hospice Care Coinsurance or Copayment |
✔ 100% after HDG deductible is met |
|
Skilled Nursing Facility Care Coinsurance |
✔ 100% after HDG deductible is met |
|
Part A Deductible ($1,676 per benefit period in 2025) |
✔ 100% HDG deductible is met – Paid by the member first and applied toward the HDG deductible. |
|
Part B Excess Charges |
✔ 100% after HDG deductible is met |
|
Foreign Travel Emergency (80% up to plan limits, after deductible) |
✔ 80% after HDG deductible is met and after the foreign travel deductible |
What does a Plan-G Medicare Supplement NOT cover?
| Benefit | Plan G Coverage |
|---|---|
|
Out-of-Pocket Limit |
✖ N/A (No limit for Plan G) |
|
Part B Deductible ($257 per year in 2025) |
✖ Not Covered |
View Other Medicare Supplement Plans
Important Notes for Medicare Supplement Plan G (2025):
- Part B Deductible: The only Original Medicare cost not covered by a standard Plan G is the Medicare Part B annual deductible ($257 in 2025).
- **High-Deductible Plan G (HDG):** A high-deductible version of Plan G is available. With HDG, you pay all Medicare-covered costs (including the Part B deductible) up to a deductible amount of $2,870 in 2025 before the plan begins to pay. HDG usually has lower monthly premiums.
- Prescription Drugs: Medicare Supplement plans (including Plan G) do NOT cover outpatient prescription drugs. You will need a separate Medicare Part D plan for drug coverage.
- **Eligibility:** Plan G is generally the most comprehensive option for those who became eligible for Medicare on or after January 1, 2020. Plan F, which covers the Part B deductible, is not available to this group.
- **Premiums:** Premiums for Plan G vary by insurance company, location (e.g., West Vero Corridor, Florida), age, gender, and other factors. This table compares benefits, not cost.
- **State Variations:** This table applies to most states. Massachusetts, Minnesota, and Wisconsin have different standardized Medigap plans.
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