Medicare Supplement Insurance’s high-deductible Plan G provides the same coverage benefits as the standard Plan G but comes with lower monthly premiums in exchange for a higher deductible.
| Standard Medicare Supplement Insurance benefits | Plan G | Enroll |
|---|---|---|
| Medicare Part A coinsurance and hospital costs | ✓ | Compare Plans |
| Medicare Part B coinsurance or copayment | ✓ | Compare Plans |
| First 3 pints of blood | ✓ | Compare Plans |
| Part A hospice care coinsurance or copayment | ✓ | Compare Plans |
| Coinsurance for skilled nursing facility | ✓ | Compare Plans |
| Medicare Part A deductible | ✓ | Compare Plans |
| Medicare Part B deductible | X | Compare Plans |
| Medicare Part B excess charges | ✓ | Compare Plans |
| Foreign travel emergency | 80% | Compare Plans |
Standard Medicare Supplement Insurance benefits
Plan G
Enroll
Medicare Part A coinsurance and hospital costs
✓
Compare Plans
Medicare Part B coinsurance or copayment
✓
Compare Plans
First 3 pints of blood
✓
Compare Plans
Part A hospice care coinsurance or copayment
✓
Compare Plans
Coinsurance for skilled nursing facility
✓
Compare Plans
Medicare Part A deductible
✓
Compare Plans
Medicare Part B deductible
Medicare Part B excess charges
✓
Compare Plans
Foreign travel emergency
80%
Compare Plans
To apply for high-deductible Medicare Supplement Plan G, you must be enrolled in both Medicare Part A and Part B and reside in an area that offers a high-deductible Plan G option.
High-deductible Medigap Plan G provides the same benefits as the standard Medigap Plan G, but the plan will not cover its share of eligible costs until you reach the annual deductible.
After you incur a specified amount in qualified out-of-pocket Medicare expenses, you will meet your deductible, and your Plan G benefits will activate.
For 2025, the deductible for high-deductible Plan G is set at $2,870. This deductible is standardized by the federal government, ensuring consistency regardless of where the policy is sold or who sells it.
High-deductible Medigap Plan G encompasses all the same benefits as standard Plan G, which include:
| Standard Medicare Supplement Insurance benefits | Plan G | Enroll |
|---|---|---|
| Medicare Part A coinsurance and hospital costs | ✓ | Compare Plans |
| Medicare Part B coinsurance or copayment | ✓ | Compare Plans |
| First 3 pints of blood | ✓ | Compare Plans |
| Part A hospice care coinsurance or copayment | ✓ | Compare Plans |
| Coinsurance for skilled nursing facility | ✓ | Compare Plans |
| Medicare Part A deductible | ✓ | Compare Plans |
| Medicare Part B deductible | X | Compare Plans |
| Medicare Part B excess charges | ✓ | Compare Plans |
| Foreign travel emergency | 80% | Compare Plans |
Standard Medicare Supplement Insurance benefits
Plan G
Enroll
Medicare Part A coinsurance and hospital costs
✓
Compare Plans
Medicare Part B coinsurance or copayment
✓
Compare Plans
First 3 pints of blood
✓
Compare Plans
Part A hospice care coinsurance or copayment
✓
Compare Plans
Coinsurance for skilled nursing facility
✓
Compare Plans
Medicare Part A deductible
✓
Compare Plans
Medicare Part B deductible
Medicare Part B excess charges
✓
Compare Plans
Foreign travel emergency