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{{ HDG is the "secret" plan that most people don't know about. That term "high deductible" scares people off. Lots of youtube videos explaining the ins and outs of the various plans, some explaining that HD isn't as bad as it sounds. }}
The "secret" is that Medipap HD G gives the for-profit insurance company a much smaller pot of money to skim from.
I got a letter from my Medigap insurer back in August saying that they weren't going to charge me a premium that month because they'd run afoul of the CMS regulation that at least 65% of premiums collected be spent on actual medical care for policyholders instead of "skim, scam and fraud". (35% of my $576 annual premium is just $201.)
In 2026, CMS paid an average of $16,242 per beneficiary to for-profit insurers for Medicare Advantage. And they're allowed to skim-off up to 15% or $2,436 before anything gets rebated back to CMS.
It's not surprising that United Health Care gave a $9 Billion bribe to AARP to promote this nonsense.
thecentersquare.com - Article dabdintercst
