There's no such thing as a "United American" Medicare Plan F . . . . . there's only "Medicare Plan F". All plans are designed and regulated by the federal government - companies cannot offer anything else; so Plan F would be the same exact plan regardless of which company you choose as a provider. Also, the costs should be almost identical since there is a federally mandated loss ratio imposed on all insurance companies offering Medicare Supplements. In other words, pick the company based upon what you think of the agent and the company, not what you think of the plan - because Plan F is Plan F regardless of what company is the actual provider.
Having said that, the only plan you should consider is Plan F. It covers all the regular gaps plus covers extra charges when you have to go to a doctor that does not accept Medicare assignment. "Assignment" means that the doctor has an agreement with Medicare to accept whatever percentage of the actual bill they approve - so if the doctor bills $1,000 and Medicare approves $400 (a typical situation, by the way), Medicare will pay 80% of $400 and your med sup will pay 20% of $400 . . . . but a doctor who does not accept "assignment" from Medicare can then bill you directly for the remaining $600 that Medicare did not approve. Most doctor's do accept assignment but not all, especially the better specialists, so it's worth the difference in premium to cover this huge possible gap. Also, Plan F covers you for up to $50,000 for sickness or injury suffered while out of the United States (Medicare will not pay benefits for outside of the US medical events). So if you travel, it's an important feature of Plan F.
Only a few companies offer the high deductible Plan F. I don't think the premium savings are worth the much higher deductible but, of course, that depends upon your budget.
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