New York Seniors: Stop Overpaying for Medicare Supplement Coverage

A High-Deductible Plan G (sometimes called "HDG" or "HD Plan G") is a Medicare Supplement plan that covers the exact same benefits as a standard Plan G, but with a lower monthly premium and an annual deductible. In 2025, the annual deductible is $2,800. This means you pay the first $2,800 of Medicare-covered costs each year out of pocket, after which the plan covers everything a standard Plan G would cover — at 100%. It is standardized by the federal government, so the benefits are identical regardless of which insurance company offers it.

Yes, exactly. Medicare Supplement plans are standardized by federal law. Every Plan G — whether standard or high-deductible — covers the same benefits: Part A coinsurance, Part B coinsurance, blood (first 3 pints), Part A hospice coinsurance, skilled nursing facility coinsurance, Part B excess charges, and foreign travel emergency. The only difference is that with the high-deductible version, you pay the annual deductible before the plan starts paying. The coverage itself is identical.

The $2,800 deductible (for 2025) is the amount you pay out of pocket each calendar year for Medicare-covered services before your High-Deductible Plan G benefits kick in. Once you have paid $2,800 toward eligible expenses, the plan covers everything at 100% for the rest of the year — just like a standard Plan G. Many healthy seniors never come close to reaching this deductible, which is why the premium savings can be so significant. Even if you do reach the full deductible, the combined cost of premiums plus deductible is still typically less than what you would pay for a standard Plan G premium alone.

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