High Deductible Medicare Supplement Plan G

The High Deductible version of Medicare Supplement Plan G is one option steadily gaining popularity. It covers the same benefits as traditional Plan G but has much lower premiums due to its high annual deductible. It’s also one of the most comprehensive options for those eligible for Medicare after January 1, 2020. Let’s dive in to learn more.

Key Takeaways:

High Deductible Plan G offers the same coverage as traditional Plan G.

Due to the high deductible of $2,800, the monthly premiums are much lower than traditional Plan G.

Compare Plan G Rates

How Does High Deductible Plan G Work And What's Covered?

High Deductible Medigap Plan G is a Medicare Supplement plan that works hand-in-hand with Original Medicare. To meet your yearly deductible, you must spend a certain amount on qualified out-of-pocket Medicare expenses, including the Part B deductible.

Once your calendar year deductible is met ($2,800 in 2024 – equal to your out-of-pocket limit), High Deductible Plan G will cover the same things as traditional Medicare Supplement Plan G but with a much lower premium.

For example, once your deductible is met, High Deductible Plan G pays for:

  • Part A coinsurance costs up to 365 days of hospital care after Medicare benefits are exhausted
  • The Part A deductible
  • Part A hospice care coinsurance
  • Part B coinsurance
  • Part B excess charges
  • Skilled nursing facility care coinsurance
  • Medical emergencies during foreign travel (limited benefits)
  • Preventative care Part B coinsurance
  • First three pints of blood

Another significant benefit of High Deductible of Plan G is that it does not restrict you to specific healthcare providers; you can use any provider or medical facility that accepts Original Medicare.

Unlike Medicare Supplement Plan F, High Deductible Plan G does not cover the Medicare Part B deductible.

What's Not Covered?

As mentioned, the High Deductible Plan G does not cover the Medicare Part B deductible. Additionally, prescription drug coverage is not included, so you must purchase a standalone prescription drug plan (Part D).

High Deductible Plan G Cost

The average cost is $65.00 per month but varies by age, gender, location, and health class.

Company StateAverage RateGender
AetnaTX$50.00 to $70.00Male
CignaOH$45.00 to $68.00Female
Mutual of OmahaPA$45.00 to $75.00Male

Note: The prices listed are the average monthly rates for a 65-year-old female nonsmoker in Ohio and are provided for sample purposes only. Your actual rate may differ based on the start date for Part B or medical underwriting.

What Are The Pros and Cons?


  • MUCH lower monthly premiums compared to traditional Plan G.
  • Comprehensive benefits after the deductible is met, including coverage for Medicare Part A and B coinsurance and copayments, hospice care, skilled nursing care, and foreign travel emergency coverage.


  • Higher out-of-pocket costs until the deductible is met.
  • It doesn’t cover the Medicare Part B deductible.
  • No prescription drug coverage.

How Do I Enroll?

You can enroll in a High Deductible Plan G just like any other Medicare Supplement plan during your Medicare Supplement Enrollment Period or during the Annual Enrollment Period between October 15th and December 7th every year.

It’s important to compare plan costs and benefits between insurance companies to find the best option. Connect with one of our agents to help you compare options and go through the enrollment process.


High Deductible Plan G can be an excellent option for those who want to reduce their monthly premiums while still having comprehensive Medicare insurance coverage.

However, weighing the pros and cons and comparing different plans between insurance companies is essential to finding the best fit for your situation. Researching and making an informed decision will ensure you get the coverage you need while staying within your budget.

Sources: eHealth | Cigna


Mark Prip

Since 2003, Mark Prip has been leading  Policy Guide, Inc., providing knowledgeable information about Medicare, life insurance, and dental coverage to clients in over forty states. With his unparalleled hands-on experience aiding countless Medicare beneficiaries in selecting an appropriate health plan, he is a prime example amongst other competitors for expertise and assistance. Mark has held his Florida Health & Life Insurance License (E051889) since 2003. View his license profile on the Florida Department of Insurance website.