Medigap Plan F (also known as Medicare Supplement Plan F) is the most comprehensive plan on the market. You would have no copays, deductibles or coinsurance. There is also no network so you can go to any doctor or hospital in any state that you want. If they take Medicare they will take the Medigap Plan regardless of who the carrier is.
The only thing Plan F doesn't cover is your prescription drugs. All Medigap plans are not allowed to include prescriptions so it would be the same with any of them. People with a Medigap Plan also get a Part D to cover the prescriptions.
Renwanz Insurance & Financial Solutions, Carlsbad, CA
Medicare Supplement Plan F (Medigap) is the most comprehensive coverage available for seniors. There are items not covered or partially covered.
If Medicare approves treatment, Medigap Plan F will cover copays, co-insurance and deductibles related to that specific item. However, if any treatment is denied coverage by Medicare, that particular treatment would not be covered by Medigap Plan F. Simply put, Plan F follows the lead of approved Medicare coverage.
Items typically not covered by Plan F include acupuncture, dental work, vision exams and skilled nursing care beyond the first 100 days. There is also a limit on the total number of hospitalization days covered - it's around 455 days under Plan F. If you are hospitalized and require blood, Plan F covers the first 3 pints. If you are travelling abroad and have a medical emergency, Plan F usually requires you to pay a $250 deductible but will cover up to $50,000. Drug coverage is not included with Plan F (that would be Plan D).
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The only thing Plan F doesn't cover is your prescription drugs. All Medigap plans are not allowed to include prescriptions so it would be the same with any of them. People with a Medigap Plan also get a Part D to cover the prescriptions.
If Medicare approves treatment, Medigap Plan F will cover copays, co-insurance and deductibles related to that specific item. However, if any treatment is denied coverage by Medicare, that particular treatment would not be covered by Medigap Plan F. Simply put, Plan F follows the lead of approved Medicare coverage.
Items typically not covered by Plan F include acupuncture, dental work, vision exams and skilled nursing care beyond the first 100 days. There is also a limit on the total number of hospitalization days covered - it's around 455 days under Plan F. If you are hospitalized and require blood, Plan F covers the first 3 pints. If you are travelling abroad and have a medical emergency, Plan F usually requires you to pay a $250 deductible but will cover up to $50,000. Drug coverage is not included with Plan F (that would be Plan D).