The majority of people have Plan G, Plan F, or Plan N. The coverage is essentially the same with the exception that Plan F covers the Part B deductible and Plan N may have up to $20 copays and excess charges (which are pretty rare). For these differences in costs, Plan N typically has the lowest premiums and Plan F the highest. For our area, you may find that the differences in premiums between Plan F and Plan G (or Plan N) is greater than the Part B deductible. Many people would save money by switching to Plan G (or Plan N) from Plan F if they can do so without having to go through underwriting. Some providers allow you to switch between plans without underwriting. Folks now enrolling in Medicare for the first time at age 65 are not eligible for Plan F. There are also other plans including some high deductible options.
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Originally Posted by kingofbeer
The best plan with the most coverage.
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