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High Deductible Plan G - 70% Lower Premiums!

Policy Guide, Inc.

14,083 views

Medicare Supplement rates exploded in 2025, with some Plan G increases ranging from 25% to 40% in certain states. In this video, I break down a Medicare plan that’s been hiding in plain sight: High Deductible Plan G.

If you’ve been frustrated by rising Medigap premiums or wondering whether High Deductible Plan G is worth considering, this video will help you understand exactly how it works using real-life examples.

We cover:

1. The difference between Standard Plan G and High Deductible Plan G
2. Why BOTH plans provide the exact same Medicare benefits
3. Common misconceptions about the High Deductible Plan G
4. Real doctor visit and hospital stay cost examples
5. How Medicare Part A & Part B work BEFORE the deductible applies
6. 2026 deductible amounts and historical increases
7. Premium comparisons in major states across the country
8. Why High Deductible Plan G may be a strong alternative to Medicare Advantage
9. Long-term premium projections and financial exposure comparisons

Many people assume High Deductible Plan G means you pay everything yourself before coverage starts - that’s NOT how it works. Original Medicare still pays first, and I walk through step-by-step examples so you can clearly understand your actual out-of-pocket exposure.

If you’re trying to decide between:

Standard Plan G
High Deductible Plan G
Medicare Advantage

…this video will help you make a more informed decision.

Need help comparing Medicare Supplement plans?
We help people nationwide understand Medicare and compare top-rated companies based on pricing, stability, and long-term value.

Give us a call for help: 888-231-2465
Or visit us at: https://www.policyguide.com/

Also, check out the Best Medigap companies overview video:
Top Medicare Supplement Companies Review -...

Chapters:
0:00 Intro
1:19 In This Video
1:58 Key Takeaways
3:57 Plan Benefits
6:18 Real Life Scenarios
13:27 Why HDG is Appealing
17:14 Prices By State
17:48 Florida
18:11 New York
18:24 California
18:36 Other States
20:35 Deductible Increases
21:35 Five / Ten Year Costs
22:55 Rate Increases
24:00 Final Thoughts

Also, check out the Best Medigap companies overview video:
Top Medicare Supplement Companies Review -...

20 Comments

@solomon611 4 months ago

Our HDG plan has worked out very well for us. Premiums of around $50/mo and nominal increases. It fits with our philosophy of not insuring against losses we can afford to cover. Most Medicare insurance agents don’t tell you about HDG; they push you into G for “peace of mind” and “ease of use.” Both of those are valid benefits of G, but it’s also true that agent commissions are much higher with G plans than HDG.

@scottprice4813 4 months ago

So many people are committing the sin of insuring an affordable loss . The problem is a mindset of entitlement and a lack of understanding Medicare’s negotiated rates and that only 20% of charges are on the policyholder .

@lindawilliamson1661 4 months ago

An important factor that gets left out of almost all discussions of HDG is that most preventative care is covered without needing to satisfy the deductible. So in my case, annual mammogram, periodic colonoscopy, immunizations, bone density scans, and some blood work are all covered without needing to satisfy the big deductible. Knowing that most preventative care is covered without deductible makes a big difference whan calculating the likely full cost of HDG compared to regular G or Plan N.

@mjcarp7179 4 months ago

I have plan GHD. I feel more comfortable with that catastrophic cap than paying whether I need services or not.

@ericgold3840 4 months ago (edited)

The Part B deductible is applied to the HDG deductible
The Part A hospital deductible is also applied to the HDG deductible

@tangled6931 3 months ago

So many medicare brokers selling HDG are pushing it combined with a group of ancillary policies (Stroke, cancer, indemnity, yada yada). It's annoying really--I realize they are attempting to recoup from lost commissions but geeze--it's almost as if you have to get the other 4 to feel "covered" by HDG. I don't like that tactic--it's pushy & not everyone wants those "extras". I appreciate that when I reached out to your firm, the agent gave me advice for G, N, and HDG and did NOT push ancillary policies on me right away.

@pameladavis45 3 months ago

This was the best explanation and comparisons of these plans. Very helpful! Thanks!

@lindamartin9730 4 months ago

I’m thinking HDG! Keep my money and let it grow!

@igorpolinamedovoy7731 2 months ago

In my state Florida, Miami , the plan G is too cost prohibitive. For my husband, $357 and for me $325. We stopped considering it. It is between N and HDG.

@anemoneii 3 months ago

I've had HDG for three years now. Here on Long Island NY the cheapest G plan is around $340 and the HDG is costing us $67. Worse case would still save us $900 in a year. Medicare typically a much lower percentage than you show here so our share is usually between $26-35 each time we get a bill. Even my wife who has many medical challenges isn't spending half of the deductible. Also our $67 Emblem Health HDG plans include Silver Sneakers and I have two memberships, Planet Fitness and LA Fitness that are worth about $45 a month all covered by a $67 premium.

@geevee9952 6 days ago

I had plan G for 4 years, each year my premium kept going up. I finally checked out plan G HD. I went from paying a premium of $330 a month to $66 a month. Talk about savings! This past year I paid a fraction of what it would have cost me per year compared to the regular high premium plan G. Same benefits as regular G.

@midasgoldmail 4 months ago (edited)

Spouse and I are both on GHD. One of us recently got a DME device from a provider who did not accept assignment. Provider billed $9500 to Part B. Medicare allowed ~$2400 and sent a check for ~$1900 to us, then we in turn paid that to provider. Next, HDG sent a check for ~$5000 to us, and again we paid that to provider, and provider is satisfied and balance is now $0. HDG also completely maxed out the $2950 deductible so there is no remaining deductible for the rest of the year.

@pmjeterjr 9 hours ago

I am getting ready to retire, but will have to use open market until I turn 65 . at that point I plan on using standard Medicare Plus a supplement plan. I work in a pharmacy and have to listen to how many people have to wait on prior authorizations I things they need done with doctors and waiting to be able to have some service provided. I just want a easy a possible and Medicare standard sound like the best way to go, especially as we get older, I hear the advantage plans can really get costly in later years, and it is not easy to switch back to a standard plan later on. Thanks for the information it helps in my research.

@geevee9952 6 days ago

Forgot to say that if I had reached the $2950 deductible, it was still LESS than what the regular plan G premiums would have cost over the year.

@davidrogers3072 3 months ago (edited)

Great Review! I am considering plan N and GHD! The more I research and do the math I am think GHD is a good option!

@concretedriv 1 month ago

I will be signing up this year with Plan N or GHD. The problem I'm having with GHD is when the bills start coming in. You might be fine when you're in your 60s and 70s about remembering to pay those bills, but in your 80s and 90s, our minds might not be as sharp as before. So forgetting to pay those bills worries me. Also, you have to make sure those bills are coded correctly so you don't overpay.

@jimo5758 4 months ago

In the example of Susan's first doctor's visit, wouldn't the $283 that she paid for the annual Part B deductible count toward her $2950 annual HD-G deductible?

@Jrbrass-t7r 3 weeks ago

Question: Coming from work insurance and going to start Plan G Or Hi-G in October. Haven't signed up yet. If I go with Plan Hi-G, can I switch to Plan G at a later date. If so, will I have to answer questions or go through underwriting?