High Deductible Plan G Saves Thousands (But Here's the Catch)
MedigapSeminars.org
101,761 views
Is High Deductible Plan G a genius money move — or a financial trap you'll regret for years? After years of advising Medicare beneficiaries, Matthew Claassen reveals exactly when Plan G-HD saves you thousands and when it quietly destroys your financial security.
📋 In this episode, you'll learn:
How High Deductible Plan G actually works — and why most agents explain it wrong
The exact math behind the 2025 deductible ($2,870) and what it means for your wallet
Why Plan G-HD and Plan F-HD are functionally identical — and why that matters
The one financial reserve rule you must meet before choosing any high-deductible plan
Real premium comparisons: Miami, Washington State, New York, and South Texas
Why the "I'm healthy" argument is the most dangerous mistake seniors make
The "two moving parts" trap that erodes Plan G-HD's value every single year
When Plan N is a smarter choice than Plan G-HD — and how to know which applies to you
⚠️ The stakes are high. High-deductible Medicare Supplement plans make up about 5% of all Medigap sales nationally. At Medigap Seminars, we sell about 9% — because under the right conditions, the math is hard to argue with. But we've also seen what happens when someone chooses this plan without the savings to back it up. One hospital stay can wipe out years of premium savings overnight.
This video gives you the complete framework to decide — without the sales pressure.
🔑 Key 2026 Numbers:
Medicare Part A Deductible: $1,736 per benefit period
Medicare Part B Deductible: $283 annually
High-Deductible Medigap Deductible (max out-of-pocket): $2,950
HD deductible increase over 6 years: +24.5% (from $2,370 in 2020)
🗺️ Who this video is for:
People turning 65 evaluating their first Medigap plan
Anyone already on Medicare wondering if switching to a high-deductible plan saves money
Spouses or adult children helping a parent compare Medicare supplement options
Anyone who has been told "just get the cheap plan" without a full explanation
📞 Want personalized help?
Medigap Seminars is a national, independent Medicare agency — featured in Forbes — offering free plan comparisons with zero sales pressure. We work with all major carriers so our only goal is finding the right fit for you.
👉 Get a free Medicare supplement comparison: [YourWebsiteURL]
📧 Email us: [YourEmailAddress]
📱 Call us: [YourPhoneNumber]
🔔 Subscribe for weekly Medicare education — no sales pitch, just clear answers.
👍 Like this video if it helped you think through your options.
💬 Drop a question below — Matthew reads every comment.
📚 Related Videos You'll Want to Watch:
▶ Medicare Supplement Plan G vs Plan N — Which is Right for You?
▶ Medicare Supplement Plans Explained 2025
▶ Why I'd Never Choose Medicare Advantage (And What I'd Pick Instead)
CONTACT US 800-847-9680 or
https://medigapseminars.org/request-a...
https://medigapseminars.org/contact-us/
0:00 Introduction — No-Brainer or Big Regret?
1:08 About Medigap Seminars
1:41 How High-Deductible Plans Work
2:13 2025 Original Medicare Costs Explained
2:54 The HD Deductible IS Your Max Out-of-Pocket
3:49 Plan F-HD vs. Plan G-HD: What's the Difference?
4:54 When High-Deductible Plan G IS the Smart Choice
6:20 Real Example: The Miami High-Cost Market
8:02 Running the Alternative Cost Calculation
9:18 Open Enrollment States & Other Advantages
9:59 When High-Deductible Plan G Is a BAD Idea
11:40 Why Plan N Often Beats Plan G-HD
13:30 The "I'm Healthy" Fallacy — Why It Backfires
14:34 The Two Moving Parts Working Against You
15:24 Summary & Final Recommendations
#HighDeductiblePlanG #MedigapPlanG #MedicareSupplementPlans #Medicare2025 #PlanGvsN #Medigap #MedicareExplained #MedicareHelp
Medicare 2026 and Medicare Supplement Benefit table: https://medigapseminars.org/resources/
20 Comments
Point is, you might be perfectly healthy but you never know what tomorrow brings. Just keep that in mind.
I’m 64 and will be contacting you within a few months. I appreciate your straightforward approach and ways to think about coverage that’s right for you, rather than how much commission you can squeeze out. The fact that you sell approximately twice the average HD-G tells me even more that you base your recommendations based on the client’s well being rather than your profit. Thanks!
P.S.: The 'N' plan is $361.44 per mo. or $4, 337 per year. My "90 day pay off" saves me $1,337 over Plan N. But like you say, a HDG plan isn't for everyone...
High Deductible Plan G Saves Thousands (But Here's the Catch)
MedigapSeminars.org
101,761 views
Is High Deductible Plan G a genius money move — or a financial trap you'll regret for years? After years of advising Medicare beneficiaries, Matthew Claassen reveals exactly when Plan G-HD saves you thousands and when it quietly destroys your financial security.
📋 In this episode, you'll learn:
How High Deductible Plan G actually works — and why most agents explain it wrong
The exact math behind the 2025 deductible ($2,870) and what it means for your wallet
Why Plan G-HD and Plan F-HD are functionally identical — and why that matters
The one financial reserve rule you must meet before choosing any high-deductible plan
Real premium comparisons: Miami, Washington State, New York, and South Texas
Why the "I'm healthy" argument is the most dangerous mistake seniors make
The "two moving parts" trap that erodes Plan G-HD's value every single year
When Plan N is a smarter choice than Plan G-HD — and how to know which applies to you
⚠️ The stakes are high. High-deductible Medicare Supplement plans make up about 5% of all Medigap sales nationally. At Medigap Seminars, we sell about 9% — because under the right conditions, the math is hard to argue with. But we've also seen what happens when someone chooses this plan without the savings to back it up. One hospital stay can wipe out years of premium savings overnight.
This video gives you the complete framework to decide — without the sales pressure.
🔑 Key 2026 Numbers:
Medicare Part A Deductible: $1,736 per benefit period
Medicare Part B Deductible: $283 annually
High-Deductible Medigap Deductible (max out-of-pocket): $2,950
HD deductible increase over 6 years: +24.5% (from $2,370 in 2020)
🗺️ Who this video is for:
People turning 65 evaluating their first Medigap plan
Anyone already on Medicare wondering if switching to a high-deductible plan saves money
Spouses or adult children helping a parent compare Medicare supplement options
Anyone who has been told "just get the cheap plan" without a full explanation
📞 Want personalized help?
Medigap Seminars is a national, independent Medicare agency — featured in Forbes — offering free plan comparisons with zero sales pressure. We work with all major carriers so our only goal is finding the right fit for you.
👉 Get a free Medicare supplement comparison: [YourWebsiteURL]
📧 Email us: [YourEmailAddress]
📱 Call us: [YourPhoneNumber]
🔔 Subscribe for weekly Medicare education — no sales pitch, just clear answers.
👍 Like this video if it helped you think through your options.
💬 Drop a question below — Matthew reads every comment.
📚 Related Videos You'll Want to Watch:
▶ Medicare Supplement Plan G vs Plan N — Which is Right for You?
▶ Medicare Supplement Plans Explained 2025
▶ Why I'd Never Choose Medicare Advantage (And What I'd Pick Instead)
CONTACT US 800-847-9680 or
https://medigapseminars.org/request-a...
https://medigapseminars.org/contact-us/
0:00 Introduction — No-Brainer or Big Regret?
1:08 About Medigap Seminars
1:41 How High-Deductible Plans Work
2:13 2025 Original Medicare Costs Explained
2:54 The HD Deductible IS Your Max Out-of-Pocket
3:49 Plan F-HD vs. Plan G-HD: What's the Difference?
4:54 When High-Deductible Plan G IS the Smart Choice
6:20 Real Example: The Miami High-Cost Market
8:02 Running the Alternative Cost Calculation
9:18 Open Enrollment States & Other Advantages
9:59 When High-Deductible Plan G Is a BAD Idea
11:40 Why Plan N Often Beats Plan G-HD
13:30 The "I'm Healthy" Fallacy — Why It Backfires
14:34 The Two Moving Parts Working Against You
15:24 Summary & Final Recommendations
#HighDeductiblePlanG #MedigapPlanG #MedicareSupplementPlans #Medicare2025 #PlanGvsN #Medigap #MedicareExplained #MedicareHelp
Medicare 2026 and Medicare Supplement Benefit table: https://medigapseminars.org/resources/