What If There's A Smarter Way To Cover Medicare Gaps?

Most people default to a standard Medigap plan and watch the premium climb every single year. For clients who qualify, VitalShield builds a different combination: a High Deductible Plan G paired with supplemental indemnity coverage, designed to slow that climb while still protecting you from major hospital bills.

How we work:

We compare your current Medigap costs against the High Deductible Plan G combo side by side

We show you the real trade-offs, including what the higher deductible actually means for your wallet

We help you apply, switch, or stay put, whichever the numbers say is right for you

See How The Combo Works

Standard Medigap Premiums Don't Stay Standard

Plan G premiums typically rise every year you own the policy, sometimes faster than people expect. Here's how a few strategies compare over time.

Standard Plan G

[X]% average annual increase

HDG Combo Strategy

[X]% average annual increase

Plan N

[X]% average annual increase

Projected over 10 years, that gap in annual increases can mean a meaningful difference in what you're paying by the time you're in your mid-70s or 80s.

The Premium Difference, Side By Side

A standard Plan G might run [$X]/month in your area today. The HDG Combo Strategy, combining the high deductible version of Plan G with supplemental coverage, can run closer to [$X]/month. The trade-off is a deductible you'd owe out of pocket before the high-deductible plan starts paying, currently [$X] for 2026, which is exactly what the supplemental indemnity coverage is designed to help offset.

Three Pieces, Working Together

High Deductible Plan G

Works exactly like standard Plan G once your deductible is met (currently [$X] for 2026), covering Medicare's coinsurance and copays. The lower premium is the trade-off for taking on that deductible yourself.

Cancer, Heart Attack & Stroke

Pays a lump sum, commonly [$X], directly to you if you're diagnosed with one of these conditions. That money can go toward the Plan G deductible, other medical costs, or anything else you need it for.

Hospital Indemnity Coverage

Pays a set amount, commonly [$X]/day for up to [X] days, for each day you're hospitalized. Another layer of cash flow while the High Deductible Plan G is doing its job.

What This Looks Like Over Time

Here's an example for a [City, State ZIP] resident. [Replace with your own real example once you've picked a market to feature; this must use real projected numbers, not placeholders, before publishing.]

Year 1

Standard Plan G [$X]/mo HDG Combo [$X]/mo

Year 3

Standard Plan G [$X]/mo HDG Combo [$X]/mo

Year 5

Standard Plan G [$X]/mo HDG Combo [$X]/mo

Year 10

Standard Plan G [$X]/mo HDG Combo [$X]/mo

Great fit if you:

Are comfortable holding [$X] or more in savings for a potential deductible year
Want to slow the pace of your premium increases over time
Are in reasonably good health and want to lock in coverage now while you qualify
Like the idea of extra cash coming to you directly if something serious happens