Medigap計劃F和G之間的區別是什麼？
Medigap計劃F和G之間的區別是什麼？
 These two plans are nearly identical as there is only 1 difference between the benefits - coverage of the Medicare Part B deductible ($147 in 2014). Plan F is the most comprehensive plan as it covers all available Medigap benefits at 100% from day 1 including the Part B deductible - Plan G does not cover the deductible and must be paid out-of-pocket. When comparing the two plans, you want to look at the price differential at the carrier(s) offering them at the lowest cost. If the difference in annualized premiums between plan F and plan G is more than $147, than plan G will be the plan you should select - if it's less than $147, then you should select plan F. Please note, Medigap plans are standardized meaning the benefits are exactly the same regardless of which insurance company you buy your Medigap plan from. Every carrier has to pay the benefits the same way. If it's your first time buying a Medigap plan or you already have one and want to lower your monthly premium, you should consult with an independent Medigap insurance broker who can shop the case for you among many companies to ensure you're paying the lowest possible price for your plan. I hope the information is helpful - please feel free to contact me for help with your Medigap plan and if you have any other questions. Thanks very much.
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