United American HDG Plan Sales – Why Consider Them This AEP
Why Add UA Now
The Annual Election Period (AEP) for Medicare runs each year from October 15 through December 7. It’s the window when beneficiaries can enroll in, switch, or drop Medicare plans. With all the changes to Medicare plans this year, agents might want to consider United American HDG Plan Sales.
What is a High-Deductible Plan G (HDG)
United American’s HDG plan offers the same benefits as a standard Plan G after enrollees meet the deductible ($2,870 in 2025). That means once the deductible is met, the plan pays 100% of Medicare-approved services, including:
- Hospital costs and Part A coinsurance
- Skilled nursing facility coverage
- Part A deductible
- Part B coinsurance and excess charges
- 80% of foreign travel emergencies
Because of the higher deductible, monthly premiums are significantly lower, making HDG an attractive choice for cost-conscious beneficiaries.
Watch a quick YouTube video on High Deductible Plan G
Why choose United American’s HDG plan this AEP
Fewer Medicare Advantage options, especially PPOs
Carriers are withdrawing some Medicare Advantage plans from the market, particularly PPOs, and many agents are reporting fewer plan choices this AEP. In some areas, commissions on Medicare Advantage plans are also being reduced or eliminated. For beneficiaries who want stability, freedom of provider choice, and nationwide access, an HDG plan offers an excellent alternative.
Great value for cost-conscious consumers
HDG balances affordability and coverage; lower monthly premiums without sacrificing comprehensive protection once the enrollee meets the deductible.
Nationwide flexibility
Unlike Medicare Advantage, which often restricts members to networks, United American’s HDG allows you to visit any provider that accepts Original Medicare, with coverage that travels across state lines.
Financial strength and trust
United American has been selling Medicare Supplements since 1966 and maintains strong financial ratings, including an A (Excellent) from A.M. Best. Their history of stability reassures clients looking for long-term reliability.
Consumer-friendly features
Guaranteed renewable: You can’t be canceled as long as premiums are paid.
30-day free-look period: Cancel within 30 days if not satisfied.
Switching flexibility: Start with HDG and, at your second anniversary, move to a standard Plan G without underwriting if you decide you want richer coverage.
Why HDG makes sense in today’s market
With Medicare Advantage options shrinking, especially PPOs, and rising uncertainty in benefits and provider access, many beneficiaries are reconsidering Medigap. HDG is a way to:
- Keep premiums affordable
- Retain freedom to choose providers nationwide
- Have peace of mind that coverage won’t change annually the way MA plans often do
Sample Comparison: Is HDG Worth It
- High Deductible Plan G: Lower monthly premium, pay the $2,870 deductible first, then full coverage.
- Standard Plan G: Higher premiums, but no deductible. Total yearly cost could be higher even with no deductible, depending on your health needs and provider use.
If saving on monthly cost is a priority—and you’re able to manage the deductible if needed—HDG offers strong value, especially during this AEP when you have the flexibility to enroll.
GET CONTRACTED
Contracting for UA is easy; just email lisa@croweandassociates.com, she will request the contract for you. Those looking for a GA level contract will need to have a minimum of 5 sub agents and 100 Medicare supplement cases on the books. Call our office at 203-796-5403 with any additional questions.
If you would like to contract with Crowe for carriers other than UA; click here
Stay up-to-date on Medicare agent events and information
This AEP presents a unique opportunity. With fewer Medicare Advantage choices and increasing restrictions, United American’s High-Deductible Plan G stands out as a cost-effective, flexible, and stable solution. For beneficiaries who value freedom of choice, reliable coverage, and the ability to control their long-term costs, HDG is a smart move this enrollment season.