High-Deductible Plan G
High-Deductible Plan G is regular Plan G with a different deal: a much lower premium, but you pay all Medicare-covered cost-sharing yourself until you've spent $2,950 in a year — then it pays like full Plan G. Same standardized benefits, different risk split.
What does High-Deductible Plan G cover?
Each line below is what the plan pays once you have paid $2,950 of Medicare-covered cost sharing yourself for the year.
- Part A coinsurance and hospital costs (up to 365 extra days after Medicare benefits are used) — Covered 100%
- Part B coinsurance or copayment — Covered 100%
- Blood (first 3 pints) — Covered 100%
- Part A hospice care coinsurance or copayment — Covered 100%
- Skilled nursing facility care coinsurance — Covered 100%
- Part A deductible — Covered 100%
- Part B deductible — Not covered
- Part B excess charges — Covered 100%
- Foreign travel emergency (up to plan limits) — Covered 80%
Who is High-Deductible Plan G a good fit for?
- Healthy budgeters who want catastrophic protection: the deductible caps a bad year, and the premium savings are yours in every good year.
- People comfortable self-funding routine care in exchange for a known worst case.
- People priced out of full Plan G who still want Medigap's any-doctor freedom rather than a network plan.
What are the trade-offs of High-Deductible Plan G?
- The full deductible ($2,950 in 2026) is your exposure — a hospitalization early in the year means paying Medicare's deductibles and coinsurance out of pocket until you reach it.
- The deductible resets every January and CMS adjusts it annually.
- Not sold in every state — availability depends on where you live.
Key facts
- What you pay before the plan pays anything
- $2,950 of Medicare-covered cost sharing (2026)
- Part A deductible
- Covered 100%, after the $2,950 deductible (2026)
- Part B deductible
- Not covered (2026)
- Part B excess charges
- Covered 100%, after the $2,950 deductible (2026)
- Sold by
- Private insurers, standardized by federal law — same benefits at every company
Frequently asked questions
What do I pay before High-Deductible Plan G pays anything?
All of it. Every Medicare-covered deductible, coinsurance and copayment is yours until your spending for the year reaches $2,950 in 2026. After that it pays exactly like standard Plan G for the rest of the calendar year. The amount resets each January.
Does High-Deductible Plan G cover the Part B deductible?
No. You pay the annual Part B deductible yourself — $283 in 2026 — and High-Deductible Plan G picks up its share of covered services after that. On the high-deductible version, the plan pays nothing until you have covered $2,950 of Medicare cost sharing yourself for the year.
Does High-Deductible Plan G cover Part B excess charges?
Yes. If a doctor does not accept Medicare assignment and bills up to 15% above the Medicare-approved amount, High-Deductible Plan G pays that excess. On the high-deductible version, the plan pays nothing until you have covered $2,950 of Medicare cost sharing yourself for the year.
Does High-Deductible Plan G cover care outside the United States?
Partly. High-Deductible Plan G pays 80% of foreign travel emergency care, after a separate deductible and up to the plan's lifetime limit. Routine care abroad is not covered. On the high-deductible version, the plan pays nothing until you have covered $2,950 of Medicare cost sharing yourself for the year.
Is High-Deductible Plan G the same at every insurance company?
Yes. Medigap benefits are standardized by law, so High-Deductible Plan G is the same package of benefits whoever sells it. Price, service and rate history are what differ — three states (Massachusetts, Minnesota, Wisconsin) standardize their plans differently.
Sources
- Medicare.gov — Medigap (Medicare Supplement Insurance) (accessed September 8, 2026)
- CMS — Choosing a Medigap Policy (product 02110), benefit chart (accessed September 8, 2026)
- CMS — 2026 Medicare Parts A & B Premiums and Deductibles (accessed September 8, 2026)
Further reading
- TRICARE for Life and Medicare 2026: Apopka, FL Veterans' Coverage Guide
- Medicare Trial Rights in 2026: Your 12-Month Guaranteed Way Back to Medigap
- TRICARE for Life & Medicare 2026: Orlando Area Veterans Guide
- All Medigap plans and the full benefit chart
- The six-month Medigap open enrollment window
- Two-minute plan match quiz
- Medicare articles
- Find a licensed Medicare advisor by state
Updated September 8, 2026. Dollar figures are 2026 plan-year amounts transcribed from CMS publications and last verified by IM65 against the source for each: Parts A & B premiums, deductibles and IRMAA (August 11, 2026); Medigap benefit chart (October 1, 2026).