If you are hoping to get the most out of your Medigap plan, a more comprehensive option may be best for you. Plans C, F, and G are the most comprehensive plans available, and they offer a range of interesting benefits. These plans cover a combination of the following costs:
- Part A coinsurance
- Part B coinsurance
- 3 pints of blood
- Part A hospice care
- Skilled nursing facility care costs
- Part A deductibles
- Foreign travel emergencies
Plan C covers the Part B deductible, but Plan G doesn’t. Instead, plan G covers Part B excess charges, which can amount to a lot depending on the health procedures you need and your health care provider’s payment structure. Plan F covers all of these costs, making it the most comprehensive plan.
Plan F and Plan G are available in high deductible forms too. The high deductible version of these plans offers plan members the same benefits as the original plan, except members must pay a certain deductible before their plan benefits activate. High deductible plans are a great option for people who don’t go to the hospital often and have ample savings to use for paying the deductible when necessary.