High-Deductible Plan G in Florida
The lowest-premium way to get Plan G-level protection. Pay less every month, with strong coverage once your annual deductible is met.
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What Is High-Deductible Plan G? (A Medicare Supplement Plan)
High-Deductible Plan G is a Medicare Supplement (Medigap) plan that offers the exact same benefits as standard Plan G, but with a much lower monthly premium in exchange for paying a higher annual deductible before coverage kicks in.
2026 Deductible: $2,950. You pay eligible Medicare costs out of pocket until you reach this amount each year — after that, High-Deductible Plan G pays exactly like standard Plan G for the rest of the year.
Not sure if the high-deductible option makes sense for you?
How High-Deductible Plan G Works in 2026
Understanding the deductible is the key to understanding this plan.
With Original Medicare Alone
- Medicare Part B generally pays 80% of approved outpatient costs after the Part B deductible
- You are responsible for the remaining 20%, with no cap
With High-Deductible Plan G
- You pay the Part B deductible ($283 in 2026) plus your 20% coinsurance until you reach the $2,950 annual deductible
- Once that deductible is met, the plan pays like standard Plan G for the rest of the year
High-Deductible Plan G Benefits & Coverage
Once your annual deductible is met, High-Deductible Plan G covers:
✓ Covered After Deductible Is Met
- 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
- First 3 pints of blood
Why Choose High-Deductible Plan G?
This plan is often chosen for the unique balance it strikes between low monthly cost and strong protection against major medical expenses.
Lower Monthly Premiums
Typically the lowest monthly premium of any plan that still offers Plan G-level coverage once the deductible is met.
Protection From Major Medical Costs
Comprehensive coverage activates automatically once you’ve met your annual deductible — you’re never exposed to truly catastrophic costs.
Budget Flexibility
A great fit for those with rare doctor visits, a preference for lower monthly premiums, comfort self-paying small expenses, and a desire for nationwide Medicare provider access.
High-Deductible Plan G vs. Standard Plan G
Both plans cover exactly the same benefits — the only real difference is how you pay for them.
| Feature | High-Deductible Plan G | Standard Plan G |
|---|---|---|
| Monthly Premium | Much Lower | Higher |
| Annual Deductible | $2,950 (2026) | Part B deductible only ($283) |
| Best For | Healthy, budget-focused enrollees | Predictable, minimal out-of-pocket costs |
| Coverage After Deductible | Identical to standard Plan G | Identical to High-Deductible Plan G |
High-Deductible Plan G vs. Medicare Part D
It’s important to understand that High-Deductible Plan G and Medicare Part D serve completely different purposes — they are not alternatives to one another, and most people need both.
Key difference: High-Deductible Plan G helps cover out-of-pocket costs for hospital stays, doctor visits, and other services under Original Medicare once your deductible is met. Medicare Part D is a completely separate plan that covers the cost of prescription medications. Medigap plans, including High-Deductible Plan G, do not include prescription drug coverage.
✓ 2026 Update: Medicare Part D now includes a $2,100 annual out-of-pocket maximum for covered prescription drugs. Once you reach this limit you pay $0 for covered medications for the rest of the year.
Is High-Deductible Plan G Right for You?
This plan may be a good fit if any of the following apply to you:
- ✓
You want the lowest possible monthly premium while still having strong protection - ✓
You prefer strong backup coverage for major medical events over predictable monthly costs - ✓
You are comfortable paying out of pocket for routine costs until the deductible is met - ✓
You want nationwide access to any doctor or hospital that accepts Medicare
Frequently Asked Questions
Is High-Deductible Plan G available in Florida?
Yes, many insurance carriers offer it depending on your ZIP code and county.
Can I use any doctor?
Yes. Any provider nationwide that accepts Medicare, with no referrals needed.
Does the deductible reset every year?
Yes. The $2,950 deductible resets each calendar year on January 1.
Is it better than Medicare Advantage?
It depends on your budget, provider preferences, and health needs. NISONA can compare both paths side by side for your specific situation.
How to Enroll in High-Deductible Plan G
The best time to enroll in any Medigap plan is during your Medigap Open Enrollment Period — the 6-month window starting the month you turn 65 and are enrolled in Part B. During this time you have guaranteed issue rights, meaning insurance companies cannot deny you coverage or charge more due to health conditions.
⚠ Outside Open Enrollment: Applying after your guaranteed issue window may involve medical underwriting, meaning you could be charged more or denied coverage based on your health history.
We can help you compare High-Deductible Plan G, standard Plan G, and Plan N from top carriers.
Official Medicare Resources
We encourage you to review these official government resources as part of your Medicare decision.
⚠ Medicare Disclaimer: This information is for educational purposes only and is not a complete description of benefits. Medicare plan availability and costs may vary by county. Contact a licensed Medicare agent for plan details. NISONA is an independent insurance agency and is not affiliated with Medicare or the Social Security Administration.
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