Medigap for Medicare supplement Plan F is the most simple to explain. It fills all holes in Medicare parts A&B. This includes the part a deductible, daily hospital copays, skilled nursing facility Copays, and it grants 365-lifetime reserve hospitalization days. It covers the Part B deductible, the 20% coinsurance access charges, and provides a foreign travel emergency!
The plan is not available to anyone who became eligible for Medicare after January 1st, 2020. If you become eligible, not enrolled, but just become eligible for Medicare before this date, you can enroll in this in plan F using standard open enrollment, guaranteed issue, or underwritten rules as long as companies offer the plan. If you are looking for a Medicare supplement plan F or plan G, they are available at Songer benefits located in Beckley, WV, serving all of West Virginia.
Medigap Plan G is straightforward once you understand what plan F covers. Plan G is identical to plan F, with one exception. Play Angie does not cover the Part B deductible. Remember, in 2020, this is the one-time $198 deductible. This deductible goes up over time, but it typically increases slowly and only once per year. If you become eligible for Medicare after January 1st, 2020, this is most likely the Cadillac meta clear supplement plan available to view; it also becomes a guaranteed issue go to the plane as well.
Medigap Plan N is used for cost savings primarily! It's also statistically the most stable price across the board! There are, however, some differences in plan N that have to be understood. This plan also covers 100% of hospitalization costs associated with Medicare Part A and completely covers the 20% coinsurance. It, like plan G, does not cover the Part B deductible. The other holes are the copay for primary care and specialist appointments of up to $20. That's a $20 cap on the copay for each visit. There is also a $50 emergency room code page if you are admitted to the hospital. Lastly, the plan end does not cover excess charges. These excess charges aren't a huge deal most of the period; some states don't even allow them to be charged, but in states where they are charged, Aetna presented a statistic that only about 4% of doctors and hospitals in the country practicing charging excess charges.