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--------------------------------------------------------------------------You're right, the Part B deductible is included as part of the HDG deductible. Including the B ded in the calculation actually raises the breakeven point by the amount of the B ded.
Using approximate premiums as an example.
G: $150/mo premium so annual OOP is 12*150+240=2040
HDG: someone paying $50/mo will have OOP of $2040 when annual covered expenses are $6240 (premium $600, $240 Part B ded, 20% of $6000 in expenses after B ded)
In this scenario, HDG max out of pocket would be $3400 (premium + HDG ded). This OOP would be reached when total covered Medicare expenses come to around $13,000.
For anyone wanting to find the breakeven point in their state, the formula is (G monthly premium - HDG monthly premium) * 60 + B deductible
Caveats:
Caveat for those reading this reply
I am not an insurance agent.
I have had an HDF plan for several years.
I have had at least one year when (somewhat to the detriment of my personal health) I did not use it at all.
I have had one year where I did max out the deductible (and I think my liability would also have maxed out at the current deductible of $2,800.)
I have had a few years where I had payment liabilities that were less than 50% of that year's HD maximum.
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Comment(s):
One thing that concerns me about carrying HD F or G is becoming trapped in a particular plan in case of a health event.
If you have an adverse health event that prevents you from changing Medigap plans and you are carrying an HD F or G, you are then locked into a more expensive F or G plan (HD premium + HD current year deductible) than you might otherwise have had.
It seems to me that this consideration might be a drag factor on an increasing market share of HDG which @Yagents posits above.