Medigap Plan F is the only Medicare Supplement insurance plan that covers BOTH YOUR Part B Medicare deductible and Medicare “excess charges.” An excess charge is the difference between what a doctor or provider charges and the amount Medicare will pay. Because the plan covers costs in excess of Medicare-approved amounts, you will likely have no out-of-pocket costs for hospital and doctor's office care with this plan.
Medigap Plan F will help protect you from additional out-of-pocket expenses should you need treatment that exceeds what Medicare will approve. Medigap Plan F also is the only Medicare Supplement plan that offers a high-deductible option to help lower your cost even more.
Plan F also offers a high-deductible plan in some states. If you choose this option, this means you must pay for Medicare-covered costs (coinsurance, copayments, deductibles) up to the deductible amount of $2,110 in 2013 before your policy pays anything. This plan will then pay exactly the same and the regular plan F.
Not all Medigap (Medicare Supplement) providers offer Medigap Plan F. MediGap Advisors recommends speaking with one of our independent expert advisors to receive a recommendation on which plan may be best suited for your needs. If you have any questions, call 866-323-1441 and we'll quickly give you the answers you are looking for.
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Disclaimer: Medigap Advisors is not connected with or endorsed by the United States Government or the federal Medicare program.