As you can see from the chart above, there are 10 Medicare Supplement plans. Medicare offers Plan F, which is considered the most comprehensive supplement plan available. Medicare Supplement Plan F is also the most popular plan.
Before you decide to buy Medicare Supplement Plan F, let’s look at the important things you need to know about it.
Medicare Part B covers healthcare you might receive from general practitioners, family doctors, specialists, and other physicians. It also takes care of some of the costs associated with medical equipment, home healthcare, and hospital outpatient services.
In some cases, even though a doctor accepts Medicare, he or she will charge more than Original Medicare covers. Medicare Supplement Plan F covers the difference that you would otherwise have to pay out-of-pocket.
This same coverage applies to preventative services. For instance, screenings for specific diseases and checkups to evaluate your overall health will remain covered in full under Plan F, even if your physician charges in excess of what Medicare Part B agrees to pay.
If you want to limit out-of-pocket expenses related to doctors’ visits, consider one of the two Medicare Supplement plans for Medicare that cover excess charges: Plans F and G.
- Services from doctors and other health care providers, hospital outpatient care, durable medical equipment, and home health care
- Preventive services to help maintain your health and to keep certain illnesses from getting worse