For more information on Medigap Plan F visit: www.medicaremall.com Remember Medicare has PARTS and Medigap has PLANS. As of June 1, 2010 there are 10 Medigap Plans, standardized by the government and distributed to you, the consumer, through Medicare Supplement Insurance Companies. Within these 10 plans, the most comprehensive Medigap Plan is Plan F. Plan F covers: -basic benefits -Part B coinsurance -skilled nursing -Part A deductible -Part B deductible -Part B Excess -Preventative Care -Foreign Travel Emergency With Medicare Part A, any length of stay between 1 and 60 days will cost you a 1156 dollar deductible. What most people don’t know is that this deductible is only good for 1 benefit period which consists of 60 days. So say you check into the hospital in January and pay the Medicare Part A deductible. If later in the year, you find yourself in need of a trip to the hospital again, you must again pay that 56 if it’s been more than 60 days since your last visit. Hypothetically, this situation could occur many times a year, so you could end up paying big money. Plan F covers this deductible even if you incur it multiple times through-out the year. The plan is designed to cover high risk gaps that are not covered by original Medicare. What do we mean by high risk gaps? If you are to EXCEED 60 days in the hospital Original Medicare pays all but 9 per day. If you’re in the hospital for 90 days, you could pay up to 70 on top of your original Medicare Part A …
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