Supplement F and Plan J are two of the most requested by seniors. The main reason is that these two plans complete the largest number of gaps that Medicare does not cover. Many complementary insurance companies offer Plan F, but with the advent of Medicare Part D prescription drug coverage, Plan J could be harder to find. Only a few companies offer Plan J.
Coverage of the supplementary health insurance plan J
In general, Plan J is more expensive than other supplement plans available. However, it offers the most comprehensive coverage available for seniors enrolled in Medicare. Consumers choose Plan J because it covers the eight gaps, including:
Co-insurance of a qualified care facility
Part A Franchise
Part B Franchise
Part B Excess (100%)
Urgency to travel abroad
Recovery at home
Preventive care not covered by health insurance.
Medicare does not cover some annual welfare checks as would a regular or individual health plan. Medigap Plan J is the only plan designation that will pay benefits for preventative care visits. It is different from most other plans in that it also covers recovery time at home, such as a home visit by a physiotherapist. Older people who want full coverage generally choose Plan J.
Coverage of the Medicare F Supplementary Plan and other options can be found at http://www.Medigapplansguide.com
Plan F is generally a little cheaper than Plan J. It covers only six of the eight gaps in Medicare. You do not pay any benefits for “Home Recovery” and “Preventive Care not Care by Medicare.” Older people who have a tight budget, but want almost complete coverage, will select the F-plan designation.
Other complementary plans
Of course, there are several other complementary plans to choose from, including plans A, B, C, D, G, E, K, and L. These plans are less expensive than their more complete counterparts but will provide benefits for the more common. Also, several companies offer highly deductible Medigap plans. (The additional coverage with a high deductible will not pay any benefits until the consumer reaches his deductible). However, the J and F plans are still the most popular among seniors who wish to have full insurance coverage.