Why United American High Deductible Plan G Could Be the Best Medigap Option for Low Premiums
When it comes to Medicare Supplement (Medigap) coverage, most seniors know about Plan G and Plan N. These are two of the most popular plans because they cover the majority of out-of-pocket costs that Original Medicare leaves behind. But did you know there’s a way to get the same benefits as Plan G with a much lower monthly premium?
That’s where United American’s High Deductible Plan G (HDG) comes in. For cost-conscious seniors who want strong protection but don’t want to pay high premiums, High Deductible G might be the smarter choice.
What Is High Deductible Plan G?
High Deductible Plan G is a version of the standard Medigap Plan G, but with one key difference:
-
You must pay a higher annual deductible ($2,800 in 2025) before the plan begins covering your costs.
Once that deductible is met, High Deductible G covers everything the regular Plan G covers. This includes Medicare Part A coinsurance, skilled nursing, hospice care, and the 20% coinsurance under Part B.
Why Choose United American’s High Deductible Plan G?
1. Super Low Monthly Premiums
For many seniors, the main appeal of High Deductible G is the significant savings on monthly premiums. Compared to standard Plan G and Plan N, HDG premiums can be hundreds of dollars less per year.
Example: A 65-year-old in Florida might pay $45–$70 per month for High Deductible G, compared to $180–$250 per month for Plan G.
2. Nationwide Doctor Freedom
Like all Medigap plans, United American’s HDG lets you see any doctor or hospital in the U.S. that accepts Medicare — no networks, no referrals. This makes it far more flexible than most Medicare Advantage plans.
3. Same Benefits as Plan G (After Deductible)
Once you meet the annual deductible, your coverage works just like traditional Plan G. That means no surprises — you get the comprehensive protection of one of the most popular Medigap plans, just with a different cost structure.
4. A Smarter Choice for Healthy Seniors
If you don’t visit the doctor often, don’t take many prescriptions, and want the lowest premiums possible, High Deductible G is a great way to stay covered without overpaying for unused benefits.
Plan G vs. Plan N vs. High Deductible G
| Feature | Plan G | Plan N | High Deductible Plan G |
|---|---|---|---|
| Monthly Premium | Higher | Moderate | Lowest |
| Annual Deductible | Part B deductible only ($240 in 2025) | Part B deductible + small copays | $2,800 (2025) |
| Doctor Freedom | Yes | Yes | Yes |
| Copays | No | $20 doctor, $50 ER (if not admitted) | No (after deductible) |
| Excess Charges | Covered | Not Covered | Covered (after deductible) |
| Best For | Seniors who want full coverage | Seniors who want lower premiums with some copays | Seniors who want super low premiums and don’t mind a deductible |
Is High Deductible Plan G Right for You?
High Deductible Plan G isn’t for everyone. If you know you’ll have high medical costs, the deductible might not make sense. But if you’re:
-
Healthy and rarely visit the doctor
-
Looking for the lowest possible premiums
-
Okay with paying more up front if needed
Then United American’s High Deductible Plan G can be an excellent way to stay protected without breaking your retirement budget.
Medicare Sharks Can Help You Decide
At Medicare Sharks, we help seniors in Palm Beach County and across the nation compare Plan G, Plan N, and High Deductible G. Our goal is to find you the best Medigap coverage at the lowest cost for your situation.
👉 Call us today at 561-907-4275 or visit MedicareSharks.com to see if United American’s High Deductible Plan G is the right fit for you.
Why United American High Deductible Plan G Could Be the Best Medigap Option for Low Premiums
When it comes to Medicare Supplement (Medigap) coverage, most seniors know about Plan G and Plan N. These are two of the most popular plans because they cover the majority of out-of-pocket costs that Original Medicare leaves behind. But did you know there’s a way to get the same benefits as Plan G with a much lower monthly premium?
That’s where United American’s High Deductible Plan G (HDG) comes in. For cost-conscious seniors who want strong protection but don’t want to pay high premiums, High Deductible G might be the smarter choice.
What Is High Deductible Plan G?
High Deductible Plan G is a version of the standard Medigap Plan G, but with one key difference:
-
You must pay a higher annual deductible ($2,800 in 2025) before the plan begins covering your costs.
Once that deductible is met, High Deductible G covers everything the regular Plan G covers. This includes Medicare Part A coinsurance, skilled nursing, hospice care, and the 20% coinsurance under Part B.
Why Choose United American’s High Deductible Plan G?
1. Super Low Monthly Premiums
For many seniors, the main appeal of High Deductible G is the significant savings on monthly premiums. Compared to standard Plan G and Plan N, HDG premiums can be hundreds of dollars less per year.
Example: A 65-year-old in Florida might pay $45–$70 per month for High Deductible G, compared to $180–$250 per month for Plan G.
2. Nationwide Doctor Freedom
Like all Medigap plans, United American’s HDG lets you see any doctor or hospital in the U.S. that accepts Medicare — no networks, no referrals. This makes it far more flexible than most Medicare Advantage plans.
3. Same Benefits as Plan G (After Deductible)
Once you meet the annual deductible, your coverage works just like traditional Plan G. That means no surprises — you get the comprehensive protection of one of the most popular Medigap plans, just with a different cost structure.
4. A Smarter Choice for Healthy Seniors
If you don’t visit the doctor often, don’t take many prescriptions, and want the lowest premiums possible, High Deductible G is a great way to stay covered without overpaying for unused benefits.
Plan G vs. Plan N vs. High Deductible G
| Feature | Plan G | Plan N | High Deductible Plan G |
|---|---|---|---|
| Monthly Premium | Higher | Moderate | Lowest |
| Annual Deductible | Part B deductible only ($240 in 2025) | Part B deductible + small copays | $2,800 (2025) |
| Doctor Freedom | Yes | Yes | Yes |
| Copays | No | $20 doctor, $50 ER (if not admitted) | No (after deductible) |
| Excess Charges | Covered | Not Covered | Covered (after deductible) |
| Best For | Seniors who want full coverage | Seniors who want lower premiums with some copays | Seniors who want super low premiums and don’t mind a deductible |
Is High Deductible Plan G Right for You?
High Deductible Plan G isn’t for everyone. If you know you’ll have high medical costs, the deductible might not make sense. But if you’re:
-
Healthy and rarely visit the doctor
-
Looking for the lowest possible premiums
-
Okay with paying more up front if needed
Then United American’s High Deductible Plan G can be an excellent way to stay protected without breaking your retirement budget.
Medicare Sharks Can Help You Decide
At Medicare Sharks, we help seniors in Palm Beach County and across the nation compare Plan G, Plan N, and High Deductible G. Our goal is to find you the best Medigap coverage at the lowest cost for your situation.
👉 Call us today at 561-907-4275 or visit MedicareSharks.com to see if United American’s High Deductible Plan G is the right fit for you.