High Deductible Plan G in Michigan and Ohio: What Physicians Mutual Offers

1 day ago

3 min read

If you are comparing Medigap plans in Michigan or Ohio, you have probably run into the words "high deductible Plan G." The deductible is the number to understand first, because it decides how much you pay before the plan starts paying. This guide explains how the high deductible version works, what the deductible is for 2027, and what to know about the Innovative Plan G that Physicians Mutual also offers.

An elderly couple consults with a professional from MRW Solutions Group about their options for a High Deductible Plan G, concentrating on healthcare strategies in Michigan and Ohio.

Ready to compare the numbers for your situation? Book your Medicare plan consultation online.

What a high deductible Plan G is

Medigap Plan G works alongside Original Medicare. The high deductible version asks you to pay an annual deductible first. The deductible is the amount of out-of-pocket costs, not counting premiums, that you must pay each year before the policy begins paying benefits.

Once you meet the deductible, the policy starts paying. Until then, the costs are yours to cover, so the deductible is the first thing to plan around.

The deductible for 2027

For 2027, the annual deductible for the high deductible versions of Plans F, G and J is $3,050. The Centers for Medicare and Medicaid Services (CMS) set that amount in its October 2026 announcement. CMS updates the amount each year, so check the current figure before you enroll.

Two rules to know:

The high deductible version of Plan G is available to people who became new to Medicare on or after January 1, 2020. That includes people who turned 65 on or after that date.
The deductible applies to each calendar year, so you pay it again in any year you need care.

What to know about the Innovative Plan G

Physicians Mutual also offers an Innovative Plan G. For 2027, it has a $3,050 deductible. Then it becomes regular Plan G at a lower premium.

Physicians Mutual's Medicare Supplement page highlights three features of the Innovative Plan G:

Premium savings
A preventive care benefit with no maximum dollar amount on the preventive benefits you can receive
A second chance: new customers can switch to another plan once in the first two years, with no health questions

A simple way to compare your options: write down the monthly premium for each one, then ask whether you could pay the full deductible in a year when you need care.

Questions to ask before you choose

What is the monthly premium for each option where you live?
Could you pay the full deductible in a year when you need care?
Which Medigap plans are offered in your area? Medicare.gov lists them by location.

You can compare plans in your area on Medicare.gov's plan finder, and read about Medigap plans on Medicare.gov's Medigap page.

Where high deductible Plan G is sold in Michigan and Ohio

Physicians Mutual's High Deductible Plan G is sold in Michigan and Ohio. MRW Solutions Group serves clients across Michigan, and we can walk you through your options by phone or video. Our Ypsilanti office, at 300 West Michigan Avenue, Suite 229C, is open for in-person visits.

Book your review with MRW Solutions Group

Choosing a Medigap plan is a decision you live with for years, so it helps to compare the numbers with someone who does this every day. You can book an in-person Medicare plan consultation through our website.