SRIG Medicare & Senior Benefits Advisors

SRIG Medicare & Senior Benefits Advisors Medicare Benefits Increase Guide:
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Medicare. Retirement. Social Security. Family Planning. The complex made simple.

09/08/2026

Let me do something most people in my business will not do on camera. I am going to show you the actual arithmetic, including the part that works against my own case.

Orlando, Florida. Age sixty five, non-smoker, lowest available rate. Regular Plan G: two hundred forty four dollars a month. High Deductible Plan G: seventy one dollars a month.

That is one hundred seventy three dollars a month. About two thousand seventy six dollars a year that stays in your account instead of leaving it.

But here is what nobody explains. The obvious objection is the bad year. So let us build the bad year into the math instead of pretending it away.

Run it out ten years. Two thousand seventy six times ten is roughly twenty thousand seven hundred sixty dollars in premium savings alone.

Now add the companion bundle of protection at about an additional seventy seven dollars a month. Over ten years that is roughly nine thousand two hundred forty dollars. Subtract it honestly.

You are still ahead by more than eleven thousand dollars. And you are carrying a hospital cash benefit and a lump sum diagnosis benefit that standard Plan G does not include at all, at any price.

Now the disclaimer, because you deserve it. These are illustrations based on current rates. Both premiums rise over time. Your market, your age, and your health will change the numbers.

The real question is not whether you will have one bad year. It is whether you overpaid through nine good ones waiting for it.

WATCH THE FULL HIGH DEDUCTIBLE PLAN G PRESENTATION
https://srigbenefits.com/learn/medigap-plan-hdg

SRIGBenefits.com | 1-888-371-7744
Serving clients in all fifty states

09/08/2026

I am about to talk somebody out of the plan this entire series is built around. If that seems strange, stay with me, because this is the video that matters most to the right person. And that could be you.

If you need weekly infusions, High Deductible Plan G may be the wrong plan for you. And I will tell you exactly why.

Every infusion carries cost sharing on the Medicare approved amount. Every single week, that cost sharing feeds your two thousand nine hundred fifty dollar deductible. At that pace you will very likely reach it. Then January arrives, the deductible resets, and you start climbing it again. Year after year after year.

That is not a design flaw. The plan is doing exactly what it was built to do. It is simply the wrong tool for that pattern of care.

So here is the second ramp, and listen to every single word of this. Take a look at regular Plan G.

You get the exact same coverage. Same doctors. Same hospitals. Nationwide. Set by the same federal law, because a Plan G is a Plan G. The only difference is that you are not chasing a deductible every week of your life.

For heavy, ongoing outpatient treatment — chemotherapy, dialysis, weekly injections, regular infusion therapy — regular Plan G may be the better fit. You pay your premium and you are done thinking about it.

The question was never which plan is better. There is no better. The question is which plan fits your health right now, this year, with the treatment schedule you actually have.

WATCH THE FULL HIGH DEDUCTIBLE PLAN G PRESENTATION
https://srigbenefits.com/learn/medigap-plan-hdg

SRIGBenefits.com | 1-888-371-7744
Serving clients in all fifty states

We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for all options.

09/07/2026

She called me at seventy five, which is about ten years later than I wish she had called.

Her regular Plan G had become unaffordable. She had watched it climb every year and finally decided to do something about it. She wanted to move to a lower premium plan, keep the same doctors, and stop the bleeding.

Underwriting said no. She had a heart history. And that was the end of the conversation.

Here is what she did not know at sixty five, and what I want you to know right now.

During your Medigap open enrollment window, you can select any supplement your state offers. Guaranteed issue. No health questions. No denials. No higher rate because of your chart. That window runs six months from the day your Part B begins, and under federal law it happens one time.

Outside that window, in most states, carriers are allowed to run full medical underwriting. They can look at your history and say yes, or say yes at a higher rate, or say no.

But here is what nobody explains. High Deductible Plan G is easiest to obtain while you are healthy and inside a protected window. Same nationwide coverage, same plan letter, set by the same federal law. You lock the lower premium early, while you can still pass, and then you simply keep it.

Some states do have birthday or anniversary rules that reopen the door, and that depends entirely on where you live.

Time it right and the coverage is seamless. Time it wrong and you may have no move to make.

WATCH THE FULL HIGH DEDUCTIBLE PLAN G PRESENTATION
https://srigbenefits.com/learn/medigap-plan-hdg

SRIGBenefits.com | 1-888-371-7744
Serving clients in all fifty states

We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for all options.

09/07/2026

A couple sat in my office paying twenty five hundred dollars a month for COBRA. Both of them retired at sixty two. Both of them are healthy. Both of them watching a retirement account they had spent thirty years building drain out at thirty thousand dollars a year for health insurance alone.

I see some version of this every single week.

The three years before Medicare are more dangerous to your retirement than anything that happens after sixty five. You retire early, you bridge the gap somehow, and you bleed savings until Medicare finally starts.

But here is what nobody explains, and it is the part that actually matters long term. What you do at sixty five shapes the next twenty years, not the next twelve months.

When you enroll in a supplement during your Medigap open enrollment window, no carrier can turn you down and no carrier can charge you more because of your health. That window runs six months from the day your Part B starts. Under federal law it happens once.

If you lock High Deductible Plan G inside that window, while you are healthy, you lock in a lower premium with a capped annual deductible and you carry it forward. Same coverage. Same federal law.

If you wait until you are seventy two with a health history, most states allow full medical underwriting, and that door can close.

So plan the bridge. Then plan what happens the day it ends. The difference is one conversation before you give notice at work.

WATCH THE FULL HIGH DEDUCTIBLE PLAN G PRESENTATION
https://srigbenefits.com/learn/medigap-plan-hdg

SRIGBenefits.com | 1-888-371-7744
Serving clients in all fifty states

We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for all options.

09/06/2026

A client called me before her cataract surgery with a question I wish more people asked. Her surgeon had given her two options for where the procedure would happen, and she wanted to know whether it mattered.

It mattered a great deal. And nobody at that office had mentioned it.

Same surgery. Same surgeon. Same equipment, in many cases. But a very different bill, depending entirely on the building you walk into.

An ambulatory surgery center and a hospital outpatient department are billed differently under Medicare. The hospital carries a higher allowed facility fee. Your share of that fee is cost sharing, and it flows straight into your two thousand nine hundred fifty dollar deductible.

But here is what nobody explains. On High Deductible Plan G you still have complete freedom to choose. There is no network directing you to one building or the other. No plan approval step. You pick the site of service, and when you pick the lower cost one, less of your own money moves into that deductible.

Time it wrong and you pay the hospital facility fee without ever knowing you had a choice. Time it right and you keep that difference.

And here is where it really adds up. If you need cataract surgery on both eyes in the same calendar year, that single decision about where the procedure happens can be worth a meaningful share of your annual deductible.

It costs nothing to ask the question. Where else can this be done, and what is the difference. Ask it before you schedule.

WATCH THE FULL HIGH DEDUCTIBLE PLAN G PRESENTATION
https://srigbenefits.com/learn/medigap-plan-hdg

SRIGBenefits.com | 1-888-371-7744
Serving clients in all fifty states

We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for all options.

09/06/2026

A gentleman forwarded me a hospital bill last spring with a note attached that just said, is this what I owe? The number at the top was eighteen thousand dollars.

He is on High Deductible Plan G. He had spent three nights in the hospital after a fall. And he was sitting at his kitchen table doing math in his head that was making him sick.

That eighteen thousand dollars is not what he owed. It was not close.

Here is what actually happens, and once you see it you will never panic at a hospital bill again.

Original Medicare goes first. Always. Medicare does not pay the billed charge — it pays on the Medicare approved amount, which is typically far lower than what the facility puts on the paper. Your responsibility is cost sharing on that approved amount, not on the sticker price.

On an inpatient admission, that is the Part A deductible. In 2026 that is one thousand seven hundred thirty six dollars.

And here is the part that matters most. That deductible counts toward your two thousand nine hundred fifty. It is not stacked on top of it. One bucket. One annual cap. You are not paying both.

So an eighteen thousand dollar hospital bill does not mean eighteen thousand dollars of exposure. You never pay the billed price. That is not how any of this works.

Time it wrong and you go through your retirement believing High Deductible Plan G means you pay everything. Time it right and you see the cap doing exactly what you bought it to do, on the worst week of your year.

WATCH THE FULL HIGH DEDUCTIBLE PLAN G PRESENTATION
https://srigbenefits.com/learn/medigap-plan-hdg

SRIGBenefits.com | 1-888-371-7744
Serving clients in all fifty states

We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for all options.

09/05/2026

A client told me he had talked to four agents. Four. Not one of them mentioned High Deductible Plan G to him. He asked me why, and I think a lot of people are wondering the same thing.

I will tell you exactly why, and I am not going to dress it up.

Supplement commissions are paid as a percentage of your premium. Regular Plan G at two hundred dollars a month pays the agent considerably more than High Deductible Plan G at sixty dollars a month. Same application. Same phone calls. Same annual service. A fraction of the compensation.

That is the whole reason. There is no conspiracy. There is just a math problem sitting quietly between you and the person advising you.

But here is what nobody explains. The benefits are identical. Set by federal law. Same doctors. Same hospitals. No networks. No prior authorization on Medicare covered services.

You are not buying less coverage. You are buying the exact same coverage with a capped annual deductible in exchange for a substantially lower monthly premium.

Now let me be fair, because this cuts both ways. That commission structure does not change whether High Deductible Plan G is right for you. For some people it genuinely is not, and I make that case in other videos in this series.

It only changes who brings it up.

So ask your agent this, word for word. What would High Deductible Plan G look like next to my regular Plan G quote? If they cannot put both in front of you, you are not seeing the full menu. And not seeing all your options can cost you thousands in retirement.

WATCH THE FULL HIGH DEDUCTIBLE PLAN G PRESENTATION
https://srigbenefits.com/learn/medigap-plan-hdg

SRIGBenefits.com | 1-888-371-7744
Serving clients in all fifty states

We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for all options.

09/05/2026

If you have COPD, if you are on oxygen, or if you find yourself in an emergency room every few weeks, listen to every single word of this. Because the plan I talk about most in this series may be the wrong plan for you, and you should hear that from me rather than discover it on a bill.

High Deductible Plan G may not be the right fit for your situation right now.

Here is the mechanic. That two thousand nine hundred fifty dollar deductible resets every January, without exception. If you are using the emergency room that frequently, you will face cost sharing on those visits repeatedly through the year, and then you will start over in the new year.

Nothing is broken about that. It is a plan built for people whose care is occasional. Your care is not occasional right now.

But here is the second ramp. Take a look at regular Plan G.

You get the same standardized coverage you would receive with High Deductible Plan G. Identical benefits, set by federal law, nationwide. Same doctors. Same hospitals. No networks and no referrals. For frequent utilization, regular Plan G is often the more protective structure, because you are not restarting a deductible with every admission.

Your health picture right now should drive that choice. Not a premium comparison, and certainly not a video.

That is worth one conversation with somebody who will look at your actual situation before you decide anything.

WATCH THE FULL HIGH DEDUCTIBLE PLAN G PRESENTATION
https://srigbenefits.com/learn/medigap-plan-hdg

SRIGBenefits.com | 1-888-371-7744
Serving clients in all fifty states

We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for all options.

09/04/2026

I want to give you a number that changed how one family thought about their entire retirement. It is not a number anybody hands you at sixty five.

A two hundred thousand dollar course of chemotherapy can leave you owing roughly forty thousand dollars on Original Medicare alone.

Forty thousand. Out of pocket.

And here is the part that stops people cold when they hear it. There is no ceiling on that. Medicare pays about eighty percent of the approved amount on the Part B side, and your share simply keeps going. Every employer plan you carried your entire working life had a maximum out of pocket. This one does not.

High Deductible Plan G caps your covered exposure at two thousand nine hundred fifty dollars for 2026. Then the plan pays one hundred percent of Medicare approved costs for the rest of that calendar year. Same chemotherapy. Same oncologist. Same hospital. No network deciding where you go.

But here is what nobody explains, and I would rather you hear it from me now than find it later. That deductible resets every January. A treatment course that crosses two calendar years means two deductibles.

So here is the second ramp. If you are facing weekly infusions, active chemotherapy, or dialysis right now, today, High Deductible Plan G may not be the right fit for your situation.

Take a look at regular Plan G. The exact same coverage nationwide, federal law guarantees it, without feeding a deductible across treatment years.

The plan that fits is the one that fits your health right now. Not the one that fit somebody else.

WATCH THE FULL HIGH DEDUCTIBLE PLAN G PRESENTATION
https://srigbenefits.com/learn/medigap-plan-hdg

SRIGBenefits.com | 1-888-371-7744
Serving clients in all fifty states

We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for all options.

09/03/2026

When Carol's husband passed, the part everyone could see was the grief. The casseroles came. The cards came. Her daughter stayed two weeks.

The cruel part showed up in the mail about eight months later, long after everyone had gone home.

It was a rate increase notice on her Medicare supplement. And it landed in a household that had just lost one of its two Social Security checks.

Nobody had ever sat down with her and shown her what that premium was going to look like at seventy eight, eighty two, eighty five.

Here is what that curve actually does. If you buy regular Plan G at sixty five for one hundred forty five dollars a month, by seventy eight it may be closer to two hundred ninety. Supplement premiums rise with your age and with the carrier's claims experience. Not because anybody did anything wrong. That is simply how the product is built.

But here is the trap that actually costs people. They keep the plan they have because they are afraid to touch anything. And every year the letter gets a little worse.

High Deductible Plan G changes the math underneath. Same coverage. Same plan letter. Same federal law. Same doctors and hospitals. But the premium often starts around fifty to sixty dollars in many counties, and it ages on a much smaller base.

Because when the increase comes, and it will, fifteen percent of sixty dollars is nine dollars. Fifteen percent of two hundred ninety is forty three.

The real question is not whether your premium rises. It is whether you can still carry it at eighty, on one check instead of two.

WATCH THE FULL HIGH DEDUCTIBLE PLAN G PRESENTATION
https://srigbenefits.com/learn/medigap-plan-hdg

SRIGBenefits.com | 1-888-371-7744
Serving clients in all fifty states

We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for all options. Rates shown are examples and yours will differ.

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