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High Deductible Medigap Plan G: Is It Really Worth the Risk?

When it comes to Medicare Supplement plans, the debate often revolves around Plan G vs. Plan N. But there's another option that both consumers and brokers frequently overlook—High Deductible Plan G (HDG). In this video, we dive deep into what makes HDG unique, how it works compared to traditional Plan G (and Plan N), and who it might be right for. We'll break down everything you need to know about the high-deductible Plan G, including: How is the $2,800 deductible for 2024 calculated, and why does it change yearly? Detailed comparisons between out-of-pocket costs for traditional Plan G and HDG. Average premium savings in different states like Michigan, Texas, Florida, and New York. Long-term cost projections, including potential savings over 25 years. Pros and cons of choosing a high-deductible Medigap plan. Why HDG might be the right choice for those with Health Savings Accounts (HSAs) or high-risk tolerance. ⏰ Video Timeline: 0:00 - 1:08 - Introduction 1:09 - 5:34 - Overview of High-Deductible G 5:35 - 10:34 - How Does the High Deductible Work? 10:35 - 12:32 - High Deductible G Premiums 12:33 - 23:40 - Long-Term High Deductible G Costs 23:41 - 25:15 - High Deductible G Commissions 25:16 - 28:39 - Pros and Cons of the HDG 28:41 - 31:25 - Our Thoughts on the HDG Whether you’re new to Medicare or reconsidering your current coverage, this video will give you the insights you need to make an informed decision about whether High Deductible Plan G is right for you. We also discuss the impact of premium increases over time and why it’s crucial to consider long-term costs when choosing a plan. 🔗 Resources Mentioned in the Video: Historical deductible changes: https://www.cms.gov/medicare/health-d... If you found this video helpful, don’t forget to give it a like and subscribe to our channel for more Medicare insights. Need personalized assistance? Visit our website to schedule a free consultation with one of our trusted brokers! Click here to visit our website: https://gmedicareteam.com/ 📖 Video Sources: Plan G vs. Plan N vs. HDG Enrollment Percentages: https://medicaresupp.org/information/... 2024 Medicare and You Handbook: https://www.medicare.gov/publications... Investopedia CPI-U Information: https://www.investopedia.com/terms/c/... Medicare Hospital Benefits: https://es.medicare.gov/publications/... Maryland Birthday Rule Chart: https://insurance.maryland.gov/Consum... Telos Actuarial Increase Data: https://www.medicaremarketinsights.co... Medicare Board of Trustees Report 2024: https://www.cms.gov/oact/tr/2024 AARP out-of-pocket spending study: https://www.aarp.org/content/dam/aarp... #MedicareSupplement #MedigapPlans #PlanG #PlanN #HighDeductiblePlanG #Medicare2024 #MedicareAdvantage #MedicareCoverage #MedicareCosts #RetirementPlanning