Medicare Supplement High Deductible Plan G
Broad coverage when you need it. Medicare supplement insurance High Deductible Plan G offers some of the lowest premiums of all Medicare supplement insurance plans. After meeting the plan’s deductible, it provides the same coverage as Plan G for Medicare deductibles, coinsurance, and other out-of-pocket expenses.
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How High Deductible Plan G works
High Deductible Plan G provides benefits alongside Original Medicare to help minimize your share of health care costs. Once you reach the plan’s deductible ($2,950 in 2026), it helps cover your remaining Medicare expenses.
- Pays Medicare Part A hospital coinsurance
- Pays the Medicare Part A deductible ($1,736 in 2026)
- Covers Medicare Part B expenses after the deductible ($283 in 2026), plus any excess charges beyond the Medicare-approved amount
- Gives you the freedom to choose any doctor, specialist or hospital that accepts Medicare anywhere in the U.S.
- Offers emergency care benefits outside of the U.S.¹
Medicare supplement High Deductible Plan G benefits
See how High Deductible Plan G coverage works to help lower your out-of-pocket expenses
| Yearly plan deductible | $2,950 (in 2026) |
| See any doctor, specialist or hospital that accepts Medicare in the U.S.? | Yes (no referrals needed) |
| Foreign travel emergency | You pay a separate $250 deductible, then 20% of remaining costs. (Plan pays 80%) |
| Part A deductible ($1,736 in 2026) | |
|---|---|
| Plan pays $1,736 after yearly plan deductible | You pay $0 after yearly plan deductible |
| Hospitalization - inpatient stays | |
Plan pays (after yearly plan deductible)
|
You pay $0 after yearly plan deductible |
| Hospitalization - extended coverage (Up to an additional 365 days in your lifetime after Medicare benefits are used) |
|
| Plan pays 100% of eligible expenses after yearly plan deductible | You pay $0 after yearly plan deductible |
| Skilled nursing facility care | |
Plan pays (after yearly plan deductible)
|
You pay (after yearly plan deductible)
|
| Home health care | |
| Plan pays $0 (Medicare pays 100%) | You pay $0 |
| Hospice care | |
| Plan pays any Medicare copays or coinsurance | You pay $0 |
| Blood | |
| Plan covers first 3 pints (Medicare covers the rest) | You pay $0 |
| Part B deductible ($283 in 2026) | |
|---|---|
| Plan pays $0 | You pay $283 |
| Part B excess charge | |
| Plan pays 100% after yearly plan deductible | You pay $0 after yearly plan deductible |
| Doctor's visits, emergency care and other medical services (Benefits after Part B deductible is met) |
|
| Plan pays generally 20% after yearly plan deductible (Medicare coinsurance) | You pay $0 after yearly plan deductible |
| Diagnostics laboratory tests | |
| Plan pays $0 (Medicare pays 100%) | You pay $0 |
| Durable medical equipment(Benefits after Part B deductible is met) | |
| Plan pays generally 20% after yearly plan deductible (Medicare coinsurance) | You pay $0 after yearly plan deductible |
| Home health care services | |
| Plan pays $0 (Medicare pays 100%) | You pay $0 |
| Blood (first 3 pints) | |
| Plan covers first 3 pints after yearly plan deductible | You pay $0 after yearly plan deductible |
Who is Medicare supplement High Deductible Plan G best suited for?
High Deductible Plan G can be a good choice if you’re looking for just-in-case coverage with budget-friendly premiums
Cover more of your share: after the plan’s annual deductible, it provides the same level of benefits as Plan G. It helps fill gaps left by Original Medicare, including deductibles and coinsurance.
Strong protection: includes benefits for hospital stays, skilled nursing facility care, hospice care, doctor visits and foreign travel emergencies.
Low premiums: offers affordable coverage; you pay for services as you use them to meet the deductible.
Predictable costs: low premiums and a set plan deductible every year helps you budget for health care expenses.
Peace of mind: helps ensure you're protected from high medical costs, giving you financial peace of mind.
Medicare supplement High Deductible Plan G eligibility
To be eligible for High Deductible Plan G, you must be enrolled in Original Medicare (Part A and Part B). High Deductible Plan G is not available if you have Medicare Advantage; you must switch back to Original Medicare to be eligible.
Frequently asked questions
Yes, with Medicare supplement High Deductible Plan G, you can choose any doctor or hospital that accepts Medicare anywhere in the U.S. There are no network restrictions, and you don’t need referrals for specialists, which are common with some Medicare Advantage plans. Compare Medicare supplement and Medicare Advantage plans to learn more about the differences.
No, Medicare supplement High Deductible Plan G generally does not cover dental. However, you can get a 15% discount on dental insurance if you apply for Medicare supplement insurance and bundle with dental coverage from Mutual of Omaha Insurance Company.
Yes, you can switch from another Medicare supplement plan to High Deductible Plan G. However, it's important to note that you may have to go through underwriting and your application for coverage may not be approved. Don’t cancel your current plan until the new plan is approved. Learn more in our guide to switching Medicare supplement plans.
No, Medicare supplement High Deductible Plan G does not cover prescription drugs. You may consider enrolling in a separate Medicare Part D plan for prescription drug coverage.
High Deductible Plan G is an affordable plan option. After meeting the annual deductible, it provides the same level of broad coverage as Plan G, reducing what you pay out of pocket.
Whether High Deductible Plan G is the best Medicare supplement plan for you depends on your individual needs and preferences. If you need help deciding, try our Medicare Advice Center. We'll ask you a few questions about your preferences and then recommend the plan that fits you best.
BUNDLE
Dental Insurance
View coverage options for prices
Bundle dental insurance with your Medicare supplement insurance policy and you'll save 15% on your monthly dental insurance premium.
Simply add dental insurance when you apply online for Medicare supplement.
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