Helping you as you enter this next phase

If you’ve enjoyed the freedom of a HealthShare — no networks, no pre-approvals, no red tape — the idea of handing over control to a Medicare Advantage plan may feel like a step backward.

And you’d be right to question it.

• Restricted networks — you can’t just go to any doctor or hospital
• Referrals and prior authorizations — yes, even for routine tests or specialists
• Surprise bills if you step outside of network or travel
• Limited time with doctors due to high-volume models
• Yearly plan changes — what works this year may not next

For someone who’s managed their own care with confidence and independence, this can feel like trading flexibility for frustration.

High Deductible Plan G gives you everything Medicare Advantage doesn’t:

• True freedom — see any provider nationwide who accepts Medicare
• No referrals. No pre-approvals. No gatekeepers.
• Simple protection — pay out of pocket up to ~$2,870/year, then Medicare + HDG covers the rest
• Lower premiums — ~$50/month for HDG vs. $150–$250+ for standard Plan G
• Full control — pay for what you use, and keep your existing providers

• You’re still in charge.
• You pay small expenses directly (just like you did before).
• But if something big happens — surgery, chemo, hospitalization — you’re protected.
• No paperwork hassle. No negotiating with a plan. No gotchas.

Medicare doesn’t have to mean managed care. With High Deductible Plan G, it’s Medicare on your terms — structured just like the HealthShare lifestyle you’ve already chosen:

"Use it when you need it. Stay free when you don’t."

Don't Miss Your Chance for High Deductible Plan G

If you're turning 65 and enrolling in Medicare, you have a one-time chance to get High Deductible Plan G (HDG) with no health questions asked. This plan gives you the freedom of Medicare with low premiums and full protection after a deductible — but timing matters.

**Your Medigap Open Enrollment Window:**

• Begins the month you're both 65 or older and enrolled in Medicare Part B

• Lasts 6 months

• During this time, you can get HDG with **no medical underwriting**

**After That Window?**

• You'll have to answer health questions

• You could be denied or charged more based on your health

• Some states have no protections after this window (including FL, CA, NJ)

**Why Choose HDG Now:**

• Lock in low premiums for life

• Avoid future denial if your health changes

• Keep your doctor, skip the red tape, and enjoy a simple backup plan

You can always drop HDG later — but if you skip it now, you might not be able to get it back.

Questions? Let's make sure you stay in control of your Medicare journey.

  Agent Compensation: High Deductible Plan G vs. Medicare Advantage

Understanding the difference in agent compensation helps explain why Medicare Advantage is so heavily promoted — even when High Deductible Plan G (HDG) may be the better fit for freedom-minded clients.

**Commission Comparison:**

Medicare Advantage (MA):

- Initial Commission: ~$611 (2025, varies by state)

- Renewal: ~$306 annually

- Paid by the MA plan carrier (CMS-regulated flat fee)

High Deductible Plan G (HDG):

- Monthly Commission: ~$20–$40/month

- Annualized: ~$240–$480 first year (varies by carrier)

- Often levelized or declining; may stop after year 6–7

- Paid by the Medigap insurance company

**Bottom Line:**

Most agents earn more from Medicare Advantage upfront, which drives sales even when it's not always the best fit for clients. 

Want to work with someone who puts you first? That is MY Priority.