Medigap Plan HDG (High-Deductible Plan G) is perfect for young, healthy seniors who want robust coverage at a lower cost. It’s identical to Plan G after its annual deductible—offering the flexibility of a Medigap plan while offering low premiums.

Before the deductible is met ($2,800 in 2025), you pay just 20% of costs, while Medicare covers 80%. Once met, Plan HDG covers everything Plan G does—hospital stays, doctor visits, and more. It’s a great fit for those who rarely need care but want security.

Here’s why seniors choose Plan HDG:

• Low Premiums: Save money with affordable monthly costs.  
• Full Coverage Post-Deductible: Like Plan G, it fills all Medicare gaps after the deductible.  
• Nationwide Access: See any doctor in the U.S.—no networks, no referrals.  
• Perfect for Healthy Retirees: Ideal if you’re active and rarely visit doctors.  

Real-Life Example: Meet Linda, a 66-year-old hiker. Last year, she paid 20% of a $100 checkup ($20) during her deductible phase. After a knee injury pushed her past $2,800, Plan HDG covered everything—doctor visits, therapy, all free. She saved on premiums and stayed protected.  

At Sun State Partners, we will assess your situation to see if Plan HDG is right for you. 

Ready to explore Plan HDG? Book a free review or call today.