Social Security & Medicare

and deductible unless someone chooses a plan that does not cover Medicare's deductibles (those Medigap plans are a bit cheaper). There are a few minor exceptions like people can choose a high deductible Medigap plan.

That's why most experts say to decide whether you want Plan A, D, G, etc., then pick the cheapest one. Note: There are a few high deductible options nowadays, but they still have to pay the part of Medicare's Allowable that is the beneficiary's responsibility once that threshold is crossed.