If you have Plan F, you may wish to consider switching to Plan G if you can pass the underwriting, if it is required. The only difference is that Plan F includes the $200 annual Part B deductible and Plan G doesn't. However, the difference in premiums might be greater than $200 so there is an overall savings. Similarly with Plan N, the premium difference, compared with Plan F, might be greater than the Part B annual deductible, possible additional copays, and possible excess charges associated with Plan N.
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Originally Posted by mrf6969
This is just another reason why a Medicare Supplement Plan may be the best option when your talking out of pocket expenses. Sure you have a monthly premium with it but you can choose your hospital and doctor and there is no doing the referral dance. You also do not have surprises in the form of co-pays that can add up to many times more than a monthly premium. Plan F/G can give you much piece of mind. Your health care is nothing to roll the dice with.
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