High Deductible Plan G – Costs, Benefits & Coverage 

What Is High Deductible Plan G?

High Deductible Plan G is a Medicare Supplement (Medigap) plan that offers the same core benefits as standard Plan G, but with a lower monthly premium in exchange for a higher annual deductible.

This plan is popular with healthy Medicare beneficiaries who want strong protection against major medical expenses while keeping monthly costs lower.

2026 High Deductible Plan G deductible: $2,950. You must pay eligible Medicare costs until you reach this amount before the plan begins paying benefits.

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How High Deductible Plan G Works in 2026

With Original Medicare:

• Medicare Part B generally pays 80% of approved outpatient medical costs after the Part B deductible.
• You are responsible for the remaining 20%.

With High Deductible Plan G:

• You pay the Medicare Part B deductible ($283 in 2026) plus your 20% coinsurance until you reach the $2,950 annual deductible.
• Once the deductible is met, the plan pays like standard Plan G for the rest of the year.

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What High Deductible Plan G Covers

After the deductible is met, the plan covers:

• Medicare Part A hospital deductible
• Part A coinsurance and hospital costs
• Skilled nursing facility coinsurance
• Medicare Part B coinsurance (20%)
• Part B excess charges
• Foreign travel emergency coverage (plan limits apply)
• Additional hospital days after Medicare benefits end

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Why Choose High Deductible Plan G?

This plan is often chosen because it offers:

Lower Monthly Premiums

Typically much lower than standard Plan G.

Protection From Major Medical Costs

Coverage activates after the deductible is met.

Budget Flexibility

• Rare doctor visits
• Lower monthly premium preference
• Comfortable self-paying small expenses
• Nationwide Medicare provider access

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High Deductible Plan G vs Standard Plan G

Feature	High Deductible Plan G	Standard Plan G
Monthly Premium	Lower	Higher
Annual Deductible	$2,950	Part B deductible only
Best For	Healthy / budget-focused	Predictable expenses
Coverage After Deductible	Excellent	Excellent

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Is High Deductible Plan G Right for You?

This plan may be ideal if you:

• Want lower monthly premiums
• Prefer strong backup coverage for major medical events
• Are comfortable paying some costs when care is needed
• Want nationwide access to Medicare providers

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FAQ

Is High Deductible Plan G available in Florida?

Yes, many insurance carriers offer it depending on your ZIP code.

Can I use any doctor?

Yes. Any provider nationwide that accepts Medicare.

Does the deductible reset yearly?

Yes. The $2,950 deductible resets each calendar year.

Is it better than Medicare Advantage?

It depends on your budget, provider preference, and health needs.

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Free Medicare Review

If you live in Florida, we can help you compare High Deductible Plan G, Plan G, and Plan N from top carriers.

Call 888-564-2326 for a free Medicare Supplement comparison and personalized guidance.