[coach]

I am 65 and am enrolling in medicare part B and looking at medigap policies as a supplement to part B. My question concerns the plan to pick. It looks like most plan F's that are offered are the most complete. Other plans are less money but don't cover doctors charges above the "normal or customary". Is this really something to consider? I guess my question is whether doctors charges routinely go over the approved medicare amount and the extra out of pocket has become an issue.

Please forgive the spelling and the rambling. I haven't figured out how to use spellcheck.