Mere Benefits
Medigap Plan G

Medicare Supplement Plan G

Medigap Plan G features the most bang for your buck. The plan is just like a Plan F except that Plan G doesn't pay for your Part B deductible.

Plan G covers the following at 100% after you meet the Once a year Part B Deductible with the exception of the foreign travel emergency benefit:

  • Original Medicare Part A’s deductible
  • Part B excess charges
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare’s benefits are all used up
  • Part B coinsurance or copayments
  • First three pints of blood used in an approved medical procedure
  • Skilled nursing facility coinsurance
  • 80% of a foreign travel emergency (up to plan limits)

Plan G is quickly becoming one of the most popular plans available and historically has experienced lower rate increases than it's famous brother - the Plan F.

If you want to find out what the lowest premiums in you area are, feel free to fill out the form on this page or press the "Click to Call" button blelow.

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High Deductible Plan G (HDG)

If you like the idea of strong Medicare coverage but want to save money on monthly premiums, High Deductible Plan G might be the right fit.

How it works:

You pay out of pocket for Medicare-covered services until you meet the deductible ($2,800 in 2025). After you reach that amount, the plan pays 100% of approved costs — just like regular Plan G.

What counts toward the deductible?

Medicare Part A hospital costs

Medicare Part B medical costs (like doctor visits, outpatient services, durable medical equipment)

Coinsurance, copayments, and deductibles for these services

(Prescription drug costs and services not covered by Medicare do not apply to the deductible.)

Reality check:


 Most people with a standard Plan G do not spend enough in a year to meet the High Deductible Plan G amount.

In fact, studies show that fewer than 5% of Plan G enrollees typically meet even half of the high deductible each year.

HDG can be a smart option if you stay relatively healthy and only use healthcare occasionally.

  • Pros:
    • Lower premiums compared to regular Plan G.
    • Nationwide access to any doctor who accepts Medicare.
    • Full coverage after deductible is met.
  • Cons:
    • Higher out-of-pocket costs before full coverage kicks in.
    • Potentially large unexpected bills if you have frequent or major health needs.
    • Less predictability — you need to track where you stand with your deductible instead of just paying a monthly premium and forgetting about it.
  • Good fit if you:
    • Are in good health and don't expect a lot of medical expenses.
    • Want to minimize your monthly insurance cost.
    • Feel comfortable budgeting for the possibility of a higher one-time medical bill.

Choosing the right Medicare Supplement plan is important — and personal. We're here to help you weigh your options clearly and confidently.

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Ready to secure your peace of mind through the best medicare plan for you and your family?

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Frequently Asked Questions

For Self-Employed Individuals Exploring Health Insurance Outside the Marketplace

Do you offer Medicare 101 trainings or seminars?

Yes! We regularly host free Medicare 101 webinars and in-person seminars to help you understand your options and get your questions answered.

Check out our Events Page to find an upcoming webinar or seminar near you — and reserve your spot!

What is Medicare and who qualifies for it?

Medicare is a federal health insurance program for people 65 and older, certain younger individuals with disabilities, and those with End-Stage Renal Disease (ESRD). Eligibility typically starts at age 65 based on your work history or your spouse’s.

What are the different parts of Medicare?

 Medicare includes:

  • Part A (hospital coverage)

  • Part B (medical coverage)

  • Part C (Medicare Advantage plans that bundle A, B, and often D)

  • Part D (prescription drug coverage — Learn more about Part D plans here)

Do I have to sign up for Medicare, or is it automatic?

If you are already receiving Social Security benefits, you'll usually be enrolled automatically in Part A and Part B. Otherwise, you need to enroll during your Initial Enrollment Period. If you plan to add prescription coverage, be sure to explore Part D options here.

When should I enroll in Medicare?

Most people should enroll during their Initial Enrollment Period — a 7-month window surrounding your 65th birthday.

If you need additional protection beyond Original Medicare, you can learn about Medicare Supplement plans here.

What's the difference between Original Medicare and Medicare Advantage?

  • Original Medicare (Part A and B) allows you to see any doctor who accepts Medicare nationwide.

  • Medicare Advantage (Part C) is offered by private companies and often includes extras like dental, vision, or gym memberships. Learn more about Medicare Advantage plans here.

Do I need a Medicare Supplement (Medigap) plan?

Medicare Supplement plans help cover costs like copays, coinsurance, and deductibles that Original Medicare doesn't pay for.

If you want predictable out-of-pocket costs and nationwide provider access, read about Medicare Supplement options here.

Can I change my Medicare plan later?

Yes! You can:

  • Review your coverage annually during the Annual Enrollment Period (October 15–December 7)

  • Qualify for a Special Enrollment Period after certain life events You can update your Part D, Medicare Supplement, or Medicare Advantage coverage based on your needs.

How do I avoid late enrollment penalties?

Enroll in Part B and Part D when you first become eligible unless you have qualifying employer coverage.

If you skip Part D coverage and don't have creditable drug coverage, you could face a lifelong penalty — Learn more about Part D here.

What if I’m still working past 65?

You might be able to delay Part B and Part D without penalty if your employer coverage qualifies. It's important to understand how that impacts future enrollment in Medicare Supplement or Medicare Advantage plans.

How can Mere help me with Medicare?

Our licensed team helps you:

  • Understand your choices

  • Compare different plan types

  • Stay updated year after year We work with most major insurance companies and help you find the Medicare coverage that best fits your needs — at no cost to you.

What is a Certified Medicare Insurance Planner® (CMIP®) — and why does it matter?

A Certified Medicare Insurance Planner® (CMIP®) has completed advanced, specialized training in Medicare planning and solutions. This certification goes beyond basic licensing, equipping advisors to guide clients with greater expertise, strategy, and care. Choosing a CMIP® ensures you’re working with someone who deeply understands how Medicare fits into your overall retirement and healthcare planning.

Why should I work with Mere for my Medicare coverage?

At Mere, we believe Medicare should be simple, not overwhelming.

  • Our team is licensed, certified, and continuously trained to stay ahead of changes in Medicare.

  • We focus on listening first — helping you find the coverage that fits your unique needs.

  • We offer ongoing support year after year, not just at enrollment.

  • We work with most major insurance carriers and advocate for your best interest — not just one company’s plan. Our mission is simple: Helping you make informed, confident choices. (And there’s no cost to you for our services!)

Unlock Your Medicare Confidence


Feeling overwhelmed by all the choices?

We created a step-by-step guide to make Medicare — and Social Security — simple.

We created a step-by-step guide to make Medicare — and Social Security — simple.

Inside, you’ll also find access to free bonus tools designed to help you confidently plan your next steps.

This is a solicitation of insurance. A licensed insurance agent with Mere is contracted with multiple carriers offering Medicare Advantage and Prescription Drug Plans. Enrollment depends on contract renewal. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY:1-877-486-2048) to get information on all your options.

This site is owned and operated by Mere, an independent insurance agency. It is not associated with, endorsed by, or authorized by the Social Security Administration, the Department of Health and Human Services, or the Centers for Medicare and Medicaid Services. For official information about Medicare, visit www.medicare.gov.

Certified Medicare Insurance Planner™

DBA, authorizes the use of its trademarks CMIP®, and Certified Medicare Insurance Planner™ to agents that have met Certified Medicare Insurance Planner™, DBA administration's initial and ongoing requirements. The Federal Government, CMS, and Medicare do not affiliate with or endorse ANY professional designation, which includes the CMIP® designation.

Disclaimer

Not affiliated with or endorsed by Medicare, Social Security, Healthcare.gov, or any government agency.

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