Medicare supplement Plan F and Plan J are two of the most requested by seniors. The primary reason is these two plans fill in the most gaps that Medicare does not cover. Many supplemental insurance companies offer Plan F, but with the advent of Medicare Part D prescription drug coverage, Plan J can be harder to find. There are only a select few companies offering Plan J.
Medicare Supplement Plan J Coverage
Generally, Plan J is more expensive than the other available supplement plans. However, it offers the most comprehensive coverage available to seniors enrolled in Medicare. Consumers choose Plan J because it covers all eight gaps including:
Skilled Nursing Facility Coinsurance
Part A Deductible
Part B Deductible
Part B Excess (100%)
Foreign Travel Emergency
Preventive Care Not Covered by Medicare.
Medicare does not cover some yearly wellness checkups like an ordinary group or individual health insurance plan would. Medigap Plan J is the only plan designation that will pay benefits for preventive care visits. It differs from most other plans in that it also provides coverage for recovery time at home – such as a home visit from a physical therapist. Seniors who desire complete coverage usually select the J plan.
Medicare Supplement Plan F Coverage
Plan F is usually a little less expensive than Plan J. It provides coverage for only six of the eight gaps in Medicare. It does not pay benefits for “At Home Recovery” and “Preventive Care Not Covered by Medicare.” Seniors who are on a tighter budget, but who desire nearly complete coverage will select plan designation F.
Other Supplemental Plans
Of course, there are several other supplemental 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 will provide benefits for the most common claims. Additionally, several carriers offer high deductible Medigap plans. (Supplemental coverage with a high deductible won’t pay benefits until the consumer has reached his or her deductible.) However, the J and F plans remain most popular with seniors who wish to have thorough insurance coverage.