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What suits you best.

Which Medicare Plan suits you best
The most comprehensive plan that is currently available is Medigap Plan F, which covers all of the gaps in Medicare. The next most comprehensive plan is Plan G, which covers nearly as much, with the Part B deductible being the only difference. Finally,  the Plan N is probably the third most popular plan because it operates similarly to Plan G except that you pay copays for doctor and E.R. visits, and also, you will pay your own excess charges out-of-pocket.

Medigap Plans are Standardized
There are currently 10 different Medigap plans that are standard across most states. (Massachusetts, Minnesota and Wisconsin have their own plan standards.) This means that Plan A offered by Company X in Anaheim is exactly the same as Plan A offered by Company Y in Boise. While premiums may differ, benefits and coverage are the same.
Medigap is offered by private insurance companies. These companies do not have to offer all 10 plans.  However, any company that offers Medigap coverage must offer Plan A. Also, if it wishes to offer more than one plan, it must also offer either Medigap Plan C or Plan F in addition to any other plans it offers.
Ever wondered which Medigap plan is the most popular?, the answer is Plan F, wherein it is about 55% of all Medigap plans. Plan C is a distant second at about 9%, according to the most recent Medigap enrollment data.
If you’re looking for the plan with the highest enrollment growth, Plan N and Plan G is skyrocketing in popularity, up to 33% and 25% respectively over last year’s numbers.
Here’s what you need to know about what these plans cover so you can choose the right one for you.
Medigap Plan Benefits
    F
    G
     N
Medicare Part A Coinsurance and Hospital Cost
(Up to an additional 365 days after Medicare benefits are used)
YES
YES
YES

Medicare Part B Coinsurance of Copayment
YES
YES
YES

Blood (First 3 pints)
YES
YES
YES

Part A Hospice Care Coinsurance or Copayment
YES
YES
YES

Skilled Nursing Facility Insurance
YES
YES
YES

Medicare Part A Deductible
YES
YES
YES

Medicare Part B Deductible
YES
NO
NO

Medicare Part B Excess Charges
YES
YES
NO

Foreign Travel Emergency (up to plan limits)
YES
YES
YES


What’s Covered on Medigap Plan F?
Medigap Plan F is the most favored with individuals who want First-dollar coverage on their health care costs. First-dollar coverage means that both your Part A and Part B deductibles are covered by the plan, so you won’t be paying anything before your Medicare benefits kick in. This kind of broad protection makes sense if you’ve got serious or chronic health conditions and have a lot of medical expenses each year.
Premiums for Plan F tend to be the highest among the Medigap plans, but if you’re looking for lower premiums and broad coverage, there is a high-deductible option for Plan F. Under this plan, you’ll have to pay first $2,200 of your expenses out-of-pocket before your plan pays.
There’s another thing, Medicare Plan F is being phased out. It won’t be offered as a new policy, however, if you’re already enrolled in a Plan F, you’ll be allowed to keep it.
What’s Covered under Medigap Plan G?
Medigap Plan G is currently outselling most other Medigap plans because it offers the same broad coverage as Plan F except for the Part B deductible, which is $198 in 2020. The only difference when you compare Medicare supplements Plan F and Plan G is that its deductible, otherwise they function just the same. 
There is one important feature that Medicare supplements Plan F and G have over all the other Medigap plans.  These two popular plans are the only Medicare Supplement Plans that offer coverage for Part B excess charges and that’s important if you want maximum flexibility to choose your healthcare provider. 
When you see a provider that doesn’t participate with Medicare, he can charge up to 15% more than the standard Medicare rate for your services. You will pay this money out of pocket unless you have Medigap Plan F or Plan G. It’s definitely something to consider if the provider's choice is important to you.
The good thing is that this plan won't be going away like Plan F.
What’s Covered under Medigap Plan N?
This one is another fast-selling plan because it offers a good balance between protection against catastrophic out-of-pocket expenses and affordable premiums.
Under this, you have all the same coverage as Plan F EXCEPT:
·         No coverage for Part B deductible
·         No coverage for Part B excess charges
·        You may have a copay of up to $20 for doctor visits and $50 for hospital visits         that don’t result in admission.

This one belongs to the newer plans, rolled out in 2010. It’s a good fit for individuals who don’t mind a little cost-sharing in exchange for lower premiums. It’s also not going anywhere in 2020, unlike Plan F.


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