High-Deductible Medicare Supplement Plan G
What High-Deductible Plan G covers, how its deductible works and how it compares with Plans G and N
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High-Deductible Medicare Supplement Plan G is a version of Plan G with a yearly deductible, $2,950 in 2026. You pay Medicare-covered costs, including the Part B deductible, up to that amount before the plan pays. After that, it pays the same benefits as Plan G: 100% of Part A costs, Part B coinsurance and Part B excess charges, plus 80% of foreign travel emergencies up to plan limits. Anyone with Medicare Part A and Part B can apply.
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High-Deductible Plan G at a Glance
| Feature | High-Deductible Plan G |
|---|---|
| Plan deductible | $2,950 per calendar year in 2026 |
| Part A hospital coinsurance and 365 extra hospital days | Covered at 100% after the deductible |
| Part A hospital deductible | Covered at 100% after the deductible |
| Part B coinsurance or copayment | Covered at 100% after the deductible |
| Part B excess charges | Covered at 100% after the deductible |
| Skilled nursing, blood and hospice cost sharing | Covered at 100% after the deductible |
| Foreign travel emergency care | 80% up to plan limits after the deductible |
| Part B deductible | Not covered, but the $283 you pay counts toward the plan deductible |
| Restriction based on when you became eligible for Medicare | None |
Dollar amounts on this page are the 2026 Medicare figures published by CMS. They change each year.
Like every Medigap policy, High-Deductible Plan G works alongside Original Medicare and is sold by private insurance companies. Benefits are standardized, so the plan from one carrier covers the same things as the plan from another.
How the High-Deductible Plan G Deductible Works
The plan deductible is $2,950 in 2026. Until you reach it, you pay Medicare-covered costs yourself, including the Part A deductible, the $283 Part B deductible, Part B coinsurance and excess charges. Once those costs reach $2,950 in a calendar year, the plan pays 100% of covered costs for the rest of that year.
The deductible starts over each January and is adjusted annually. Monthly premiums do not count toward it. Foreign travel emergency care has its own separate $250 yearly deductible.
High-Deductible Plan G became available in 2020 as the high-deductible option for people new to Medicare, who can no longer buy High-Deductible Plan F.
What Does High-Deductible Plan G Cover?
After you meet the deductible, High-Deductible Plan G covers every standard Medigap benefit except the Part B deductible.
| Benefit | What Original Medicare leaves you owing | What the plan pays after the deductible |
|---|---|---|
| Part A hospital coinsurance | A daily charge for hospital days 61 to 90 ($434 in 2026) and for lifetime reserve days ($868 in 2026) | 100%, plus Medicare-eligible hospital costs for up to 365 additional days over your lifetime |
| Part A hospital deductible | $1,736 for each benefit period in 2026 | 100% |
| Skilled nursing facility coinsurance | $217 per day for days 21 to 100 of a covered stay in 2026 | 100% |
| Part B coinsurance or copayment | Generally 20% of the Medicare-approved amount | 100% |
| Part B excess charges | Up to 15% above the Medicare-approved amount from providers who do not accept assignment | 100% |
| Blood and Part A hospice care | The first three pints of blood; hospice copayments and respite coinsurance | 100% |
| Foreign travel emergency | Emergency care during the first 60 days of a trip outside the United States | 80% after a separate $250 yearly deductible, up to a $50,000 lifetime limit |
What Doesn’t High-Deductible Plan G Cover?
High-Deductible Plan G does not pay anything until you meet the $2,950 deductible, and it never pays the Part B deductible. Because the Part B deductible usually comes first in the year and counts toward the plan deductible, this rarely changes what you pay once the plan deductible is met.
Like all Medigap plans, it does not cover prescription drugs, dental care, vision care, hearing aids or long-term custodial care. Drug coverage comes from a separate Medicare Part D plan.
What Could You Pay With High-Deductible Plan G?
With High-Deductible Plan G you pay the monthly premium and Medicare-covered costs up to the yearly deductible.
| Cost you keep | When it applies | 2026 amount |
|---|---|---|
| Plan deductible, including the Part B deductible | Medicare-covered costs each calendar year until you reach it | Up to $2,950 |
| Foreign travel emergency | Care during the first 60 days of a trip abroad | $250 deductible plus 20% of the cost, and anything above the $50,000 lifetime limit |
In a year with little care, you may pay only the premium and a few Medicare-covered bills. In a year with heavy care, your Medicare-covered costs stop at $2,950.
Free 2026 Medicare Guides
Want to read up before we talk? Download the official Medicare & You 2026 handbook and the government’s Choosing a Medigap Policy guide. Both are free PDFs, with no sign-up needed.
What Does High-Deductible Plan G Cost?
High-Deductible Plan G premiums are usually much lower than standard Plan G premiums because you pay the first $2,950 of covered costs each year. What you pay depends on the carrier and on factors such as:
- Your age
- Your ZIP code
- Tobacco use
- Your sex
- How the carrier prices its policies (attained-age, issue-age or community-rated)
- Household or other discounts the carrier offers
High-Deductible Plan G vs Plan G: The benefits are the same once the deductible is met. The difference to weigh is the premium savings against up to $2,950 in yearly costs.
High-Deductible Plan G vs Plan N: Plan N starts paying after the $283 Part B deductible, with copays of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to admission. It does not pay excess charges and has no cap on those costs. High-Deductible Plan G costs you more before it starts paying, but then covers everything except the Part B deductible.
High-Deductible Plan G vs Plan K or L: Plans K and L share costs with you from the start and cap them at $8,000 or $4,000 in 2026. High-Deductible Plan G has a lower cap, $2,950, but you pay all covered costs until you reach it.
Not every carrier offers High-Deductible Plan G, so it is worth checking which carriers sell it where you live.
A High-Deductible Plan G price only means something for a specific ZIP code, age and sex. The premium estimator near the top of this page shows the median and the full range of High-Deductible Plan G rates on file with the State of Florida for yours, and a quote gives you the exact price with any discounts.
Who Might Consider High-Deductible Plan G?
High-Deductible Plan G can make sense for people who want full Medigap protection for a big year and a lower monthly premium. It may fit if you:
- Rarely need care and want to keep monthly premiums down
- Have savings to cover up to $2,950 in Medicare-covered costs in a year
- Want a firm yearly cap on covered costs, including excess charges
- Want to keep Original Medicare and see any doctor or hospital in the United States that accepts Medicare
It may be a weaker fit if you see doctors often or have ongoing treatment, since you pay those costs up to the deductible each year.
Switching to a plan with more coverage later is not always possible. Outside your Medigap open enrollment period and situations with guaranteed issue rights, carriers in most states can use medical underwriting and may decline your application or charge more.
How Does High-Deductible Plan G Compare With Other Plans?
| Feature | High-Deductible G | Plan G | Plan N | Plan L |
|---|---|---|---|---|
| Plan deductible or limit in 2026 | $2,950 deductible | None | None | $4,000 out-of-pocket limit |
| Part A deductible and coinsurance | 100% after deductible | 100% | 100% | 75% of deductible, 100% of coinsurance |
| Part B deductible | No | No | No | No |
| Part B coinsurance | 100% after deductible | 100% | 100% except copays up to $20 and $50 | 75% |
| Part B excess charges | 100% after deductible | 100% | No | No |
| Foreign travel emergency | 80% up to plan limits | 80% up to plan limits | 80% up to plan limits | No |
How to Enroll in High-Deductible Plan G
- Enroll in Medicare Part A and Part B. You need both to buy a Medigap policy.
- Know your open enrollment period. Your six-month Medigap open enrollment period starts the month you are 65 or older and enrolled in Part B. During it, carriers cannot deny you or charge more because of your health.
- Compare carriers. The benefits are the same from every carrier, so compare premiums, pricing method and rate increase history.
- Add Part D drug coverage. Medigap does not cover prescriptions, so pair the plan with a Part D plan.
- Apply and set your start date. Ask about the earliest effective date so there is no gap in coverage.
Rules for people under 65 vary by state. Some states require carriers to offer Medicare Supplement coverage to people who qualify for Medicare through disability or end-stage renal disease, often with an open enrollment period. Ask what applies where you live.
High-Deductible Plan G FAQs
What is the High-Deductible Plan G deductible for 2026?
The deductible is $2,950 in 2026. You pay Medicare-covered costs up to that amount each calendar year before the plan pays.
What does High-Deductible Plan G cover after the deductible?
It pays 100% of the Part A deductible and coinsurance, Part B coinsurance, skilled nursing coinsurance, blood, hospice and Part B excess charges, plus 80% of foreign travel emergencies up to plan limits.
Does the Part B deductible count toward the High-Deductible Plan G deductible?
Yes. The plan does not pay the $283 Part B deductible, but the amount you pay counts toward the $2,950 plan deductible.
Who can buy High-Deductible Plan G?
Anyone enrolled in Medicare Part A and Part B can apply, including people who became eligible on or after January 1, 2020. Outside open enrollment and guaranteed issue situations, carriers in most states can use medical underwriting.
What is the difference between High-Deductible Plan G and Plan G?
The benefits are the same once the $2,950 deductible is met. Standard Plan G has no plan deductible and usually a higher premium.
What is the difference between High-Deductible Plan G and High-Deductible Plan F?
Both have a $2,950 deductible in 2026. High-Deductible Plan F also covers the Part B deductible, but only people who became eligible for Medicare before January 1, 2020 can buy it.
Does High-Deductible Plan G have an out-of-pocket limit?
The $2,950 deductible works like a cap on Medicare-covered costs. Once you reach it, the plan pays 100% of covered costs for the rest of the year, except for foreign travel care.
Does High-Deductible Plan G cover prescription drugs?
No. Medigap plans sold today do not cover outpatient prescription drugs. You can join a separate Medicare Part D plan for drug coverage.
Can I use High-Deductible Plan G with any doctor?
Yes. It works with any doctor or hospital in the United States that accepts Medicare. It has no provider network.
Compare High-Deductible Plan G for Your ZIP Code
High-Deductible Plan G benefits are the same from every carrier, but premiums, availability and rate increase history are not. A side-by-side comparison with Plan G and Plan N for your ZIP code shows whether the lower premium is worth the $2,950 deductible for you.
Start with our Medicare Supplement plan comparison or request a High-Deductible Plan G comparison below.
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Content Review
Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216