Medigap Plan High Deductible G (HDG)
Medicare Supplement Plan HDG
High Deductible Plan G offers the same benefits as standard Plan G — but with a lower monthly premium and a higher annual deductible. It’s an excellent choice for those who want comprehensive Medicare coverage but prefer to pay more out-of-pocket before their coverage kicks in.
Just like standard Plan G, High Deductible Plan G does not cover your Medicare Part B deductible. In addition, you must meet the annual plan deductible before the plan begins paying your Medicare cost-sharing.
Once you met the annual deductible plan, High Deductible Plan G covers the following at 100% with the exception of the foreign travel emergency benefit:
Original Medicare Part A’s deductible
Part B excess charges
Part A coinsurance and hospital costs up to an additional 365 days after Medicare’s benefits are all used up
Part B coinsurance or copayments
First three pints of blood used in an approved medical procedure
Skilled nursing facility coinsurance
80% of a foreign travel emergency (up to plan limits)
Key Details To Know:
-You are responsible for paying the annual deductible (set by Medicare each year) before the plan begins covering costs.
-After the deductible is met, coverage is identical to standard Plan G.
-Monthly premiums are typically much lower than standard Plan G.
High Deductible Plan G can be a smart option for healthy Medicare beneficiaries who want strong protection against large medical bills, but don’t anticipate frequent doctor or hospital visits.
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800 MEDICARE to get information on all of your options.
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