One of the best supplemental Medicare plans for people who have numerous expenses is Medicare Plan F for 2016. This full coverage plan comes with all the benefits required to take care of 100% of the gaps in Medicare.
This is actually one of the most recommended and most subscribed to plans for supplemental insurance, along with Medigap Plan G. That’s because it covers more medical expenses than any other plan available. Let’s take a peek at the kind of coverage Medicare subscribers would enjoy with this plan
Medicare Plan F Coverage
First off, they get covered for all the essential medical costs that Medicare basic isn’t taking care of. That includes a lot of extra coverage for their hospital stay, or hospice care, under Medicare Part A coinsurance. That’s one of the biggest expenses already mostly taken care of by the plan.
They also receive coverage for more blood each year, which isn’t very expensive, but can help a lot. Also, they get covered for nursing care as well as for every single co-payment and deductible under Medicare parts A and B. Many of these are small expenses, but having them covered every time they would occur (essentially, for each visit to the hospital) can really add up to some substantial savings.
Medicare Plan F for 2016 will also take care of those expenses that may not be very common but can be quite costly. These include emergency care in foreign countries and the excess charges from Medicare Part B.
Cost of Medicare Plan F – Shop Around!
Now it should be noted that Plan F can be rather costly. It is the most expensive plan because it offers the most coverage. Other plans come close, but they cannot quite match what Plan F has to offer. They can, however save subscribers a good deal of money,.
Let’s examine one of those- plans, Plan G. This is a plan that many Plan F subscribers find they save additional money with when they switch plans. That’s because Plan G has more or less the same coverage as Plan F. The difference lies in a single Medicare Part B deductible.
Is Plan G Better?
This isn’t a very costly expense, but the difference between the pricing on the two plans can be considerable. In many instances, it is beneficial for Plan F subscribers to drop their current plan and adopt Plan G instead. That way, they save money and still get enough coverage to not have to really worry about medical expenses.
If you have Plan F or are considering it, you shod at least look into Plan G. It too is intended for people who have many medical expenses and need lots of coverage. It is second only to Plan F in coverage, which makes it a good choice for many people who are already subscribed to that higher coverage plan.
Medicare Plan F for 2016 is all-inclusive, and it will take care of all supplemental charges for you. But it is also expensive, and it is not a plan you want to sign up for before you look at your other choices.
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