High-Deductible Plan G provides the same categories of standardized benefits as regular Plan G after you meet the annual high deductible. It may offer a lower monthly premium in exchange for paying more Medicare-covered costs before the policy begins paying.
You pay Medicare-covered deductibles, coinsurance, and copays until your eligible out-of-pocket spending reaches the annual high deductible. Afterward, the policy pays according to Plan G benefits for the rest of the calendar year.
The federal high deductible for Plan G is $2,950 in 2026. The amount can change each year. Your monthly policy premium generally does not count toward the deductible.
Eligible Medicare-covered deductibles, coinsurance, and copayments generally count. Costs for services Medicare does not cover, prescription drugs, routine dental, routine vision, and the policy premium generally do not.
It may fit beneficiaries who want broad Original Medicare provider access, can comfortably absorb the deductible, use relatively little care, and prefer a lower monthly premium.
A hospital stay, outpatient procedure, therapy, imaging, or repeated specialist visits can create substantial early-year expenses. Budget for the full deductible every year.
Once the annual high deductible is met, the plan provides regular Plan G standardized benefits for eligible expenses through December 31. The deductible resets each calendar year.
High-Deductible Plan G does not include outpatient prescription drug coverage. Consider a standalone Part D plan.
Medicare rules, plan availability, provider networks, drug formularies, benefits, premiums, and eligibility can vary by person, county, and year. A licensed Accurate Health Plans agent can help you compare the details that affect your decision.
No. The Part B deductible is one expense that can count toward the larger high-deductible Plan G amount.
Generally, no.
Yes. The federal high-deductible amount is updated periodically and may change each year.