Medicare Supplement Plan F and Plan J are two of the most requested by seniors. The main reason is that these two plans fill most of the gaps Medicare does not cover. Many supplemental insurance companies offer Plan F, but with the advent of Medicare Part D prescription drug coverage, Plan J may be harder to come by. There are only a few companies that offer Plan J.
Medicare Supplement J Plan Coverage
Generally, Plan J is more expensive than other available supplement plans. However, it offers the most comprehensive coverage available to Medicare-enrolled seniors. Consumers choose Plan J because it covers all eight gaps, including:
Co-insurance of Enabled Nursing Facilities
Part The Franchise
Part B Franchise
Excess of part B (100%)
Emergency Travel Abroad
Preventive care not covered by Medicare.
Medicare does not cover some annual health checkups, such as a joint group or individual health insurance plan. 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 offers recovery time coverage at home – such as a home visit from a physical therapist. Seniors who want full coverage usually select Plan J.
Medicare Supplement F Plan Coverage
Plan F is usually slightly cheaper than Plan J. It offers coverage for only six of the eight gaps in Medicare. You pay no benefits for "At Home Recovery" and "Preventive Care Not Covered by Medicare". Tight budget seniors who want almost complete coverage will select the F designation.
Other supplementary 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 cheaper than their broader peers, but will bring benefits to the most common claims. In addition, several carriers offer highly deductible Medigap plans. (Supplementary coverage with a high deductible will not pay benefits until the consumer reaches the deductible.) However, J and F plans remain more popular among seniors who want full insurance coverage.