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Medigap High Deductible Plan G

Medigap High Deductible Plan G offers a great stop loss option for people wanting the network flexibility of Medigap with a lower monthly premium than Medicare Supplement Plan F, G or N. Also, an important distinction between Plan G and High Deductible Plan G is that the Premium Increases seem to be lower. There are many reasons why Medicare Supplement Premiums Increase, but one of the most obvious is that the less often they have to pay something, the less likely they are go to up.

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What does Medigap High Deductible Plan g Cover?

Medicare Supplement High Deductible Plan G (HDG) covers almost every out-of-pocket expense left behind by Original Medicare, including:

  • Medicare Part A coinsurance and hospital costs
  • Medicare Part B coinsurance or copayment
  • First three pints of blood used in an approved medical procedure
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility coinsurance
  • Medicare Part A deductible
  • Medicare Part B excess charges
  • Foreign travel emergency

The only thing it does not cover is Medicare Part B’s deductible.

It is just like the Plan G in this way, but it has one distinct big difference. That difference is in its name. HIGH DEDUCTIBLE. The High Deductible on this plan is currently $2,370 in 2021. Because that lowers the premium, some Medicare beneficiaries are willing to take that risk.

How does the deductible work on HD-G?

The deductible on this plan works a little different than a standard deductible. Normally a Deductible is what you pay before a plan pays anything, and while that is not any different here you have to remember that this is a deductible on a secondary insurance. Since the Medigap plan is secondary to Traditional Medicare, the deductible is as well. So, Traditional Medicare Part A and B still pay right away in their normal way, but the High Deductible Plan G will not pick up and start covering anything until that $2,370 (2021) deductible is met.

The only difference between this and the High Deductible Plan F is that the newer High Deductible Plan G still has a hole for the Part B deductible and does not apply that amount towards the $2,370 deductible.

If you have not looked at the Medicare Supplement Comparison Chart, you should check it out by clicking the link here.

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