Short answer: Yes — but it counts toward the Plan G High-Deductible limit.

How it works:

With High Deductible Plan G, you must pay all Medicare-covered costs (including:

• Medicare Part B deductible

• Part A deductible

• Coinsurance and copays)

until you meet the plan’s annual high deductible.

Once that high deductible amount is reached, the plan begins paying just like a regular Plan G.

Key points:

Quotes with a high-deductible Med Supp Plan G for a 65-year-old Michigan male.

✅ What we know about Plan G / High-Deductible Plan G

Plan G supplements Original Medicare (Parts A & B) by covering most out-of-pocket costs — coinsurance, copays, hospital costs, etc. It does not cover your Part B deductible.  

With High-Deductible Plan G, you are responsible for paying the Medicare Part B deductible plus additional out-of-pocket costs until a defined annual deductible is met; only then does the supplement coverage begin.  In 2026, a common deductible for High-Deductible Plan G is around $2,950.  

You can pair High-Deductible Plan G with GTL Advantage Plus Elite to mimic a cheaper Plan G feel, but it’s really:

Lower premium + limited risk, partially backfilled by cash benefits,

I’ll walk through:

What each piece does How to structure the combo Side-by-side illustrations (no-claims year vs heavy-claims year)

Medicare Plan Quotes

1. Quick refresher on the pieces

Standard Medigap Plan G (2026)

Covers almost all Medicare A & B cost-sharing except the Part B deductible. You pay: Part B deductible: $240 in 2026 Monthly premium (often relatively high) 

Once that’s done, you’re basically at 100% coverage for Medicare-approved services for the rest of the year.

High-Deductible Plan G (HDG)

Same benefits as Plan G, but it doesn’t pay anything until you’ve spent $2,950 out of pocket on Medicare-covered costs in 2026. That $2,950 includes: Part A deductible and coinsurance Part B deductible and 20% coinsurance Premium is usually much lower than standard Plan G.

GTL Advantage Plus Elite (hospital indemnity)

Not Medigap; it’s a cash indemnity: Pays $100–$750 per day of hospital stay (3–15+ day benefit periods, etc.) Designed to help with out-of-pocket expenses, originally marketed for MA plans. Riders/extra benefits: ER, ambulance, observation, etc. Money is paid to the policyholder, and they can use it however they want (including pocketing money paid above the claim costs).

You’re basically using GTL to reimburse a chunk of the HDG deductible when there’s a serious event.

2. Strategy: “Fake a cheaper Plan G”

Concept:

1. Switch from Standard G → High-Deductible G 
   • Save material premium each month. 
2. Layer GTL Advantage Plus Elite on top 
   • Configure daily hospital benefit + riders so that, in typical inpatient/ER scenarios, 
   • GTL cash ≈ the out-of-pocket you’d face under HDG. 
3. Net effect for the client: 
   • Year with no or low usage: → Much lower total cost vs standard G (because of lower premiums).
   • Year with a big hospital event: → Higher cost than standard G, but GTL helps shrink the gap. 

Important: You cannot perfectly replicate Plan G line-by-line. GTL only pays when triggers (hospital/ER/etc.) are met; it doesn’t automatically cover every Part B office visit copay.

3. Recommended plan designs (illustrative only, 2026 numbers)

Let’s use round, made-up premiums just to illustrate the mechanics (not actual quotes):

• Standard Plan G premium: $180/month → $2,160/year 
• High-Deductible Plan G premium: $60/month → $720/year 
• GTL Advantage Plus Elite premium: $45/month → $540/year

Total premium HDG + GTL = $1,260/year

vs Standard G premium = $2,160/year

→ $900/year lower premium (in this example)
 

2026 key cost numbers:

• Part B deductible: $240 
• High-Deductible G deductible: $2,950

Suggested GTL benefit setup 

You might design Advantage Plus Elite like:

• $300/day hospital benefit 
• 6-day benefit period (restoring after 60 days) 
• Emergency Room + ambulance rider

That gives:

• One 4-day hospital stay → $1,200 cash 
• Max use of 6 days → $1,800 cash per confinement 
• Plus extra from ER/ambulance riders

4. Illustration 1 – No hospital claims year

Scenario: A couple office visits, maybe a scan; no hospitalization.

In a light-use year, the HDG + GTL combo is usually cheaper overall, because you’re trading richer day-one coverage for lower fixed premium.

5. Illustration 2 – One big hospitalization year

Scenario (simplified):

Inpatient stay + outpatient services mean you basically hit the full HDG deductible ($2,950) in Medicare cost-sharing over the year.

Standard Plan G

Premium: $2,160 Part B deductible: $240 All other Medicare cost-sharing: $0 (covered by G)

Total ≈ $2,399

HD Plan G + GTL Advantage Plus Elite

• Premiums (HDG + GTL): $1,260 Medicare cost-sharing up to HDG deductible: $2,950
• GTL benefits (e.g., 6 days × $300/day): −$1,800 cash 
• Net out-of-pocket on medical side ≈ $2,870 − $1,800 = $1,070 

Total ≈ $1,260 + $1,070 = $2,330

In this particular example, HDG + GTL actually comes out slightly better than Standard G in a heavy-use year.

If the stay is shorter or benefits chosen are smaller, HDG + GTL could cost a bit more than Standard G in a bad year — but you still had cheaper premiums in all the other years.

6. Illustration 3 – Very heavy claims year 

If you have:

• Multiple hospitalizations exceeding the GTL benefit periods, or 
• Lots of expensive outpatient Part B services (chemo, infusions, imaging)

Then:

• Standard G still caps them at the Part B deductible + premium. 
• HDG exposes them to up to $2,950 in cost-sharing, but: 
  • Every time there’s a qualifying hospital/ER event, GTL pumps cash back into your pocket. 
  • You design GTL to cover a big chunk of that worst-case scenario. 

You can’t create absolute identical plan benefits, but you can make the expected net risk a lot closer to standard G while saving on your monthly premiums.

7. How to present this (to a client, or in your own head)

Framing:

Standard G = simplicity and predictability Higher fixed premium, very low exposure. HDG + GTL = efficiency with managed risk Lower fixed premium, higher potential exposure cushioned by targeted cash benefits. 

Key points:

• Same Medicare-covered benefits as Plan G after the high deductible is met.
• Using a hospital indemnity plan to help offset the out-of-pocket risk created by the high deductible. 
• This doesn’t replace Medigap; it’s a separate policy that pays cash benefits you can use toward your deductible and coinsurance. 
• In low-claim years you save on premium; in high-claim years, you may pay similar or somewhat higher total out-of-pocket compared to standard Plan G, depending on how much GTL pays out.

8. Caveats you definitely want to keep in mind

Advantage Plus Elite is designed/marketed primarily to pair with Medicare Advantage, not Medigap — but the cash still works the same way. It won’t automatically match every Part B copay or 20% coin exactly — only when benefit triggers are met.