What is the deductible for Standard plan G?

For Standard Plan G, there is no deductible for the Medigap plan itself, but you are responsible for the annual Medicare Part B deductible before Plan G starts paying; for 2026, that Part B deductible is $283, while a separate High-Deductible Plan G has a much higher deductible (around $2,950 in 2026) but lower monthly premiums.

What are the deductibles for Medicare Plan G?

Medicare Plan G has two versions: a standard plan that requires you to pay only the small annual Medicare Part B deductible (around $283 in 2026) before it covers everything else, and a High-Deductible Plan G (HDG), where you pay a higher deductible (e.g., $2,950 in 2026) for Medicare-approved costs before the plan pays 100%. Standard Plan G offers great coverage after the Part B deductible, while HDG has lower premiums for higher upfront costs. 

What is the difference between Standard Plan G and High Deductible Plan G?

Standard Plan G covers all Medicare-approved hospital and medical costs after the Part B annual deductible is met. High-Deductible Plan G covers all approved hospital and medical costs once the total deductible ($2,870 in 2025) is met.

What is the deductible for Medicare Plan G in 2026?

For 2026, the High Deductible Plan G (HDG) has a deductible of $2,950, which is the amount you pay for Medicare-approved costs (like coinsurance, copays, and deductibles) before the plan starts paying; after this deductible is met, it covers nearly everything else, similar to a standard Plan G but with lower monthly premiums. Standard Plan G has a lower, separate annual Part B deductible of about $283 in 2026, with no high-deductible requirement. 

Is Plan G High Deductible worth it?

Yes, High Deductible Plan G (HDG) can be worth it if you're healthy and want lower monthly costs, as it offers the same comprehensive coverage as standard Plan G after you meet a higher annual deductible (around $2,950 for 2026), saving significantly on premiums but requiring you to pay more upfront before benefits kick in. It's great for saving money if you rarely use medical services, but risky if you have frequent needs, as costs become unpredictable and switching later can be hard. 

Top Medicare Supplement Plans Ranked by Popularity (What Most Seniors Choose)

What is the disadvantage of Plan G?

The main disadvantages of Medicare Plan G are that it requires you to pay the annual Medicare Part B deductible out-of-pocket, doesn't cover prescription drugs (requiring a separate Part D plan), and excludes dental, vision, and hearing care, often leading to higher premiums than less comprehensive plans. It also means managing two separate policies (Medigap + Part D) and can have enrollment restrictions if you're outside guaranteed periods, notes Omaha Insurance Solutions.
 

Is it better to have a $500 deductible or $1 000 health insurance?

Doubling your deductible to $1,000 could save you up to 40 percent. For example, on average, a $500 deductible costs $125/month, or $1,500/year, in premiums. The average for a $1,000 deductible is about $110/month, or $1,337/year.

Who has the best Plan G Medicare Supplement?

There's no single "best" Plan G provider, as it depends on your needs, but top-rated companies often include AARP/UnitedHealthcare (overall best/membership perks), Wellabe/Mutual of Omaha (low prices/variety), Anthem (extra benefits/BCBS network), and State Farm (customer satisfaction). Since Plan G benefits are standardized by Medicare, differences lie in pricing, discounts, service, and extra perks, so compare quotes in your area from carriers like Aetna, Cigna, and Humana. 

What is not covered under Plan G?

Medicare Plan G doesn't cover prescription drugs (requiring a separate Part D plan), routine dental, vision (like glasses/contacts), hearing aids, long-term care, private-duty nursing, or the annual Medicare Part B deductible, but it covers nearly everything else Original Medicare doesn't pay after you meet that deductible, making it very comprehensive.
 

Can I switch from high deductible plan G to plan G?

Yes, you can switch from High-Deductible Plan G to regular Plan G, but it usually requires medical underwriting unless you're in your initial 6-month Medigap Open Enrollment Period or live in a state with special rules (like a birthday rule), meaning you'll have to answer health questions and could be denied or face a waiting period for pre-existing conditions. The only difference between the plans is that regular G starts covering costs after the small Part B deductible, while HDG requires you to pay a larger, set deductible (around $2,950 in 2026) before it pays 100% of covered services. 

What is the best prescription drug plan for seniors on Medicare?

There's no single "best" Medicare Part D plan; it depends on your medications and budget, but top-rated providers for low costs/premiums often include Humana, Wellcare, UnitedHealthcare (AARP), and Cigna, with Humana Value Rx and UHC's AARP plans frequently highlighted for low deductibles or $0 options for generics, while the official Medicare Plan Finder (Medicare.gov) is the essential tool for comparing plans in your specific area. Always check the plan's formulary (drug list) and pharmacy network against your needs. 

How much is Plan G high deductible?

High-Deductible Plan G has a standardized annual deductible of $2,950 for 2026, set by the federal government, which must be paid out-of-pocket before the plan pays 100% of Medicare costs, offering lower monthly premiums as trade-off, and is available to new Medicare enrollees. This deductible includes your Medicare Part B deductible and other costs, but premiums vary significantly by location, age, and insurer. 

Is there a penalty to switch from medicare advantage to original Medicare?

No, there's no direct penalty for switching from Medicare Advantage (Part C) back to Original Medicare (Parts A & B), but you risk significant issues: losing drug coverage (Part D penalty if you don't enroll in a separate plan) and potentially being denied or paying much more for a Medigap supplement due to medical underwriting after your initial guarantee period ends. You must switch during specific enrollment periods (Annual Election Period: Oct 15-Dec 7, or MA Open Enrollment: Jan 1-Mar 31). 

Can I deduct Medicare part G premiums on my taxes?

Yes, your Medicare premiums can be tax deductible as a medical expense if you itemize deductions on your federal income tax return. You can only deduct medical expenses after they add up to more than 7.5 percent of your adjusted gross income (AGI).

What is the maximum out-of-pocket for Plan G?

Medigap Plan G has no true out-of-pocket maximum for most services; your only required yearly cost is the Medicare Part B deductible (e.g., $257 in 2025), after which it covers everything else 100%. However, there's a High-Deductible Plan G, which requires you to pay up to a separate deductible (around $2,870 for 2025) for Medicare-approved services before coverage kicks in, but then covers 100%.
 

Which medicare supplement is better, Plan G or Plan N?

Neither Plan G nor Plan N is universally "better"; the best choice depends on your health and budget, with Plan G offering comprehensive coverage (fewer out-of-pocket costs) for higher premiums, while Plan N has lower premiums but requires copays for doctor/ER visits and doesn't cover Part B excess charges, making it cheaper for healthier individuals who want cost predictability but don't mind small costs. 

What is the deductible for Medicare Plan G in 2025?

For 2025, Medicare Supplement Plan G (Standard) has no deductible, but the High-Deductible Plan G option requires you to pay Medicare-covered costs up to $2,870 before the plan pays anything, covering the Part B deductible and coinsurance. Once this $2,870 high deductible is met, the High-Deductible Plan G works just like the regular Plan G, covering all other Medicare costs for the rest of the year, with a separate $250 deductible for foreign travel emergencies. 

Which medicare advantage plan denies the most claims?

Centene (Wellcare) and CVS Health (Aetna) have faced scrutiny for high prior authorization denial rates in Medicare Advantage (MA) plans, with reports showing they had the most denied requests in 2023, though many denials were overturned on appeal, indicating issues with their strict criteria, while UnitedHealthcare also faces lawsuits and uses technology that has led to increased denials, especially for post-acute care, highlighting systemic challenges with MA plan claim approvals. 

What Medicare plan pays 100%?

**For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($257 in 2025) ($283 in 2026), the Medigap plan pays 100% of covered services for the rest of the calendar year.

Is a $7000 deductible good for health insurance?

A $7,000 deductible is considered high, typical for High Deductible Health Plans (HDHPs) that offer lower monthly premiums but require you to pay more upfront for care before insurance kicks in, making it a good choice for generally healthy people who rarely see doctors but risky if you have chronic conditions or expect major medical needs. It's a trade-off: save on premiums but risk significant out-of-pocket costs for unexpected care, with the plan's out-of-pocket maximum (often around $7k-$8k for individuals) capping total yearly spending. 

What is the most expensive health insurance?

Platinum health insurance is the most expensive of the four plan tiers you can buy on HealthCare.gov or your state marketplace.

Does insurance pay 100% after you meet your deductible?

Yes, some health insurance plans cover 100% of costs after you've met your deductible, but this usually involves coinsurance, where you might pay 0% (meaning the insurer pays 100%) or a small percentage (like 20%) until you hit your out-of-pocket maximum, after which the insurer pays 100% for the rest of the year for covered services. Most often, after the deductible, you and the insurer split costs (e.g., 80/20), but plans with "0% coinsurance" or "0% coinsurance after deductible" will pay the full amount. 

What is the best carrier for Medicare Plan G?

UnitedHealthcare is the best Plan G Medicare Supplement (Medigap) provider of 2026, according to Investopedia research. Anthem and State Farm are two more excellent options. Plan G is the most popular Medigap plan, and it's the most comprehensive for people who turned 65 on or after Jan. 1, 2020.

What does Dave Ramsey say about Medicare?

Dave Ramsey's Medicare advice centers on planning ahead, understanding enrollment periods to avoid penalties, using Health Savings Accounts (HSAs) if possible, and supplementing Original Medicare with Medigap or Medicare Advantage (Part C) to cover gaps like dental, vision, and long-term care, stressing that mistakes can be costly and recommending expert advice for personalized choices.