President, Secure Medicare Solutions, North Carolina
Medicare Supplements actually supplement both parts of Medicare - Part A and Part B. Deciding which is the best supplement for you depends on several factors - some of those are your health, your financial situation and the rates in your area.
The plans are Federally-standardized, so all companies are required to offer the same coverage plans (in most states). However, rates can vary considerably. Because the coverage is the same and rates vary, it is important to compare plans on the basis of rates - both the company's current rates and track record of rate stability if you can obtain that.
Strictly speaking about the coverage, Plan F is going to offer the most comprehensive coverage, paying both of the Medicare A & B deductibles and the Medicare coinsurance. However, when it comes to comparing the actual companies that offer Plan F, it is crucial to compare on the basis on current and (projected) future rates.
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The plans are Federally-standardized, so all companies are required to offer the same coverage plans (in most states). However, rates can vary considerably. Because the coverage is the same and rates vary, it is important to compare plans on the basis of rates - both the company's current rates and track record of rate stability if you can obtain that.
Strictly speaking about the coverage, Plan F is going to offer the most comprehensive coverage, paying both of the Medicare A & B deductibles and the Medicare coinsurance. However, when it comes to comparing the actual companies that offer Plan F, it is crucial to compare on the basis on current and (projected) future rates.