Medigap Plan G
Medicare Supplement Plan G
Medigap Plan G features the most bang for your buck. The plan is just like a Plan F except that Plan G doesn't pay for your Part B deductible.
Plan G covers the following at 100% after you meet the Once a year Part B Deductible 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)
Plan G is quickly becoming one of the most popular plans available and historically has experienced lower rate increases than it's famous brother - the Plan F.
If you want to find out what the lowest premiums in you area are, feel free to fill out the form on this page or press the "Click to Call" button blelow.
High Deductible Plan G (HDG)
If you're a healthy, budget-conscious Medicare beneficiary who wants robust coverage without paying high monthly premiums, High Deductible Plan G might be a great fit.
How It Works:
HDG offers the same benefits as standard Plan G, but with a secondary deductible. In 2025, that deductible is $2,870. Here’s the structure:
You pay out-of-pocket for Medicare-approved services until you hit the deductible.
After that, the plan pays 100% of your covered costs — just like standard Plan G.
| Feature | Standard Plan G | High Deductible Plan G (HDG) |
|---|---|---|
| Monthly Premium | Higher | Lower |
| Deductible (2025) | $257 (Part B Only) | $2,870 (Applies to A & B Services) |
| After Deductible is Met | Covers 100% of covered costs | Covers 100% if civered costs |
| Out-of-Pocket Costws Upfront | Minimal | Higher until deductible is met |
| Predictability | High-fixed premium, low variable cost | Lower-must track deductible |
| Ideal for | Frequent medical users, predictable budgeting | Healthy, budget-conscious, financially secure |
| Access to Providers | Any Medicare-accepting provider nationwide | Any Medicare-accepting provider nationwide |
| Works with HSA Funds | Part B premium eligible (if post-tax) | Out-of-pocket elegible (if Medicare not yet active)* |
| % of People Meeting Deductible | ~ 90% meet standard Plan G deductible | ~ 3% meet HDG deductible in first year |
HDG Premiums can't be paid with HSA funds once enrolled in Medicare, but many people use HSA savings to cover out-of-pocket expenses.
What counts toward the High deductible?
Medicare Part A
(Like Hospital Stays)
Medicare Part B
costs (like doctor visits, outpatient care, lab work, durable medical equipment)
Coinsurance and copayments
under Part A and B
Note: Prescription drugs and services not covered by Medicare do not apply to this deductible.
Reality check:
Most people with a standard Plan G don’t come close to meeting this higher deductible. In fact:
Fewer than 5% of Plan G enrollees meet even half of the HDG deductible in a year
Only around 3% meet the full high deductible in their first year
That makes HDG especially attractive to those who don’t frequently use medical services and want to save significantly on monthly premiums.
Who Might HDG Be a Smart Fit For?
Healthy individuals who rarely use their Medicare benefits
Budget-conscious retirees looking to lower their monthly fixed costs
High earners or those used to higher deductibles from employer coverage
Individuals with a large HSA and the ability to pay medical costs out of pocket
Those financially solvent and comfortable taking on some upfront risk
- Pros:
- Lower monthly premiums than standard Plan G
- Freedom to see any doctor nationwide who accepts Medicare
- 100% coverage after you meet the deductible
- Cons:
- Higher out-of-pocket costs before coverage kicks in
- Unexpected medical needs could result in big bills early in the year
- Less predictability; you’ll need to track your deductible progress
Bottom line:
High Deductible Plan G can be a smart choice for those who don’t anticipate frequent doctor visits but still want the peace of mind that comes with Medicare Supplement coverage.
Choosing the right Medicare Supplement plan is important — and personal. Our team is here to help you compare options and decide with confidence.
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Ready to secure your peace of mind through the best medicare plan for you and your family? Look no further! Mere is here to guide you every step of the way.
Frequently Asked Questions
For Self-Employed Individuals Exploring Health Insurance Outside the Marketplace
Do you offer Medicare 101 trainings or seminars?
Yes! We regularly host free Medicare 101 webinars and in-person seminars to help you understand your options and get your questions answered.
Check out our Events Page to find an upcoming webinar or seminar near you — and reserve your spot!
What is Medicare and who qualifies for it?
Medicare is a federal health insurance program for people 65 and older, certain younger individuals with disabilities, and those with End-Stage Renal Disease (ESRD). Eligibility typically starts at age 65 based on your work history or your spouse’s.
What are the different parts of Medicare?
Medicare includes:
Part A (hospital coverage)
Part B (medical coverage)
Part C (Medicare Advantage plans that bundle A, B, and often D)
Part D (prescription drug coverage — Learn more about Part D plans here)
Do I have to sign up for Medicare, or is it automatic?
If you are already receiving Social Security benefits, you'll usually be enrolled automatically in Part A and Part B. Otherwise, you need to enroll during your Initial Enrollment Period. If you plan to add prescription coverage, be sure to explore Part D options here.
When should I enroll in Medicare?
Most people should enroll during their Initial Enrollment Period — a 7-month window surrounding your 65th birthday.
If you need additional protection beyond Original Medicare, you can learn about Medicare Supplement plans here.
What's the difference between Original Medicare and Medicare Advantage?
Original Medicare (Part A and B) allows you to see any doctor who accepts Medicare nationwide.
Medicare Advantage (Part C) is offered by private companies and often includes extras like dental, vision, or gym memberships. Learn more about Medicare Advantage plans here.
Do I need a Medicare Supplement (Medigap) plan?
Medicare Supplement plans help cover costs like copays, coinsurance, and deductibles that Original Medicare doesn't pay for.
If you want predictable out-of-pocket costs and nationwide provider access, read about Medicare Supplement options here.
Can I change my Medicare plan later?
Yes! You can:
Review your coverage annually during the Annual Enrollment Period (October 15–December 7)
Qualify for a Special Enrollment Period after certain life events You can update your Part D, Medicare Supplement, or Medicare Advantage coverage based on your needs.
How do I avoid late enrollment penalties?
Enroll in Part B and Part D when you first become eligible unless you have qualifying employer coverage.
If you skip Part D coverage and don't have creditable drug coverage, you could face a lifelong penalty — Learn more about Part D here.
What if I’m still working past 65?
You might be able to delay Part B and Part D without penalty if your employer coverage qualifies. It's important to understand how that impacts future enrollment in Medicare Supplement or Medicare Advantage plans.
How can Mere help me with Medicare?
Our licensed team helps you:
Understand your choices
Compare different plan types
Stay updated year after year We work with most major insurance companies and help you find the Medicare coverage that best fits your needs — at no cost to you.
What is a Certified Medicare Insurance Planner® (CMIP®) — and why does it matter?
A Certified Medicare Insurance Planner® (CMIP®) has completed advanced, specialized training in Medicare planning and solutions. This certification goes beyond basic licensing, equipping advisors to guide clients with greater expertise, strategy, and care. Choosing a CMIP® ensures you’re working with someone who deeply understands how Medicare fits into your overall retirement and healthcare planning.
Why should I work with Mere for my Medicare coverage?
At Mere, we believe Medicare should be simple, not overwhelming.
Our team is licensed, certified, and continuously trained to stay ahead of changes in Medicare.
We focus on listening first — helping you find the coverage that fits your unique needs.
We offer ongoing support year after year, not just at enrollment.
We work with most major insurance carriers and advocate for your best interest — not just one company’s plan. Our mission is simple: Helping you make informed, confident choices. (And there’s no cost to you for our services!)
What are the pros and cons of Medicare Advantage plans?
Medicare Advantage plans offer bundled coverage (hospital, medical, and usually prescriptions) and often include extra benefits like dental and vision. But they also come with trade-offs like limited networks and potential for higher out-of-pocket costs.
Unlock Your Medicare Confidence
Feeling overwhelmed by all the choices?
We created a step-by-step guide to make Medicare — and Social Security — simple.
We created a step-by-step guide to make Medicare — and Social Security — simple.
This is a solicitation of insurance. A licensed insurance agent with Mere is contracted with multiple carriers offering Medicare Advantage and Prescription Drug Plans. Enrollment depends on contract renewal. 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 (TTY:1-877-486-2048) to get information on all your options.
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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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