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Frank commented on one of our posts with 12 years of proof: he's on a high-deductible Medigap plan in New York, pays $73 a month ($63 for his wife), and neither has ever spent more than $800 in a year. The deductible sounds scary ($2,950), but real out-of-pocket runs $600 to $1,000 a year — while a full-price Plan G in New York is about $350 a month. Newly on Medicare? You can run the same play with High Deductible G: start low, add level ancillary to cover the gap, and do your own 10-year math.
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