Medicare Supplement Plan F and Plan J are two of the most requested by seniors. The main reason is that these two plans fill most of the gaps that Medicare does not cover. Many additional insurance companies offer Plan F, but with the introduction of Medicare Part D prescription drug coverage, Plan J may be harder to find. There are only a few selected companies that offer Plan J.
Medicare Supplement Plan J coverage:
In general, Plan J is more expensive than the other available supplementary plans. However, it offers the most comprehensive coverage for seniors in Medicare. Consumers choose Plan J because it covers all eight gaps, including:
- Long-term care insurance Co-insurance
- Part A deductible
- Part B deductible
- Part B excess (100%)
- Foreign Travel Emergency
- Rest at home
Preventive care that is not covered by Medicare:
Medicare does not cover some annual checkups, as would be the case with a regular group or individual health insurance. Medigap Plan J is the only plan name that pays for check-ups. It differs from most other plans in that it also provides a cover for the recovery time at home – such as a home visit by a physiotherapist. Seniors who want full coverage usually choose the J Plan.
Medicare Supplementary Plan F coverage:
This provides the most comprehensive coverage of all available plans. It covers your Co-Insurance and Part-B Coverage, Part-B Co-Insurance, Part-B Over-Expenses, Hospice Care Co-Insurance and Special Care Co-Insurance, and Emergency Travel Insurance. But is this coverage required for your lifestyle as a senior? Again, Plan F is a simple recommendation for an agent who does not specialize in finding the best medical solution for their clients. These agents may not understand exactly what each plan offers. At a fixed income, many seniors may not be best served with the most popular plan.
Plan F is usually a little cheaper than Plan J. It provides coverage for only six of the eight gaps in Medicare. It does not pay any benefits for “At Home Recovery” and “Preventive Care that are not covered by Medicare”. Seniors who have a tighter budget, but want almost complete coverage, choose the plan designation F.
Other additional plans: https://www.medisupps.com/medicare-supplement-plans-2019/
Of course, there are many other supplementary plans to choose from, including plans A, B, C, D, G, E, K, and L. These plans are less expensive than their more comprehensive counterparts, but offer benefits for the most common claims. In addition, several insurance firms offer Medigap plans with high deductible. (Additional cover with a high deductible does not pay benefits until the consumer has reached its deductible.) However, the J and F plans remain the most popular among senior citizens who want comprehensive coverage.
Medicare Supplement Quotes in Ohio, Missouri, Georgia, Illinois and Indiana:
You can contact agents who have been active in the insurance and investment industry for over a decade. Some agents own and operate independent insurance agencies that operate businesses in Ohio, Missouri, Georgia, Illinois and Indiana.
Such agencies provide insurance products for individuals, families and employee groups.