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The majority of people who are enrolling in Medicare for the first time purchase Medicare Supplement Plan F due to its comprehensive nature. This plan not only has the best benefit package, but can also be very affordable as it is offered by many different insurance companies. In light of the current economy, everyone is looking to save money, and Plan F can save you from extraordinary medical bills and uncertainty.

Medicare Supplemental Insurance is the best option for people who are turning 65. While Medicare Advantage plans may be more affordable on a monthly basis, they can have high co-payments and most plans have provider networks, which means you have a limited number of doctors and hospitals you can see. Medicare Supplement Insurance, on the other hand, does not have provider networks, nor do you need a referral to see a specialist. With this type of insurance you can get the best care possible with any questions being asked.

Not only can you visit any doctor, hospital or specialist, but you will have virtually zero out of pocket expenses if you purchase Medicare Supplement Plan F. This is because Plan F covers both the Part A and Part B deductibles, as well as the 20% co-insurance that original Medicare does not pay. Furthermore, this plan also covers Part B excess charges and has a foreign travel benefit. With all these benefits, it is no wonder why this plan is the most popular option available.

The prudent shopper will compare quotes for Medicare Supplement Plan F from every company. The reason this is so important is because plan F is standardized by the Center for Medicare Services, which means every insurance company must offer the same exact benefits. It is easy to see that if Plan F is the same regardless of which company is offering the policy, you should purchase the plan from the company who is offering the lowest price.

In addition to Medicare Supplement Plan F, you may also want to consider Plan G and Plan N. These plans don't have as many benefits, but they almost always have a lower monthly premium. These plans can be especially good for people who are on a tight budget and in great health. However, keep in mind you will likely receive more medical care as you age. Medicare Supplement Plan G and Plan N both make you pay the Part B deductible, which is $155 for 2010. In addition, Plan N also has a $20 co-payment for doctor visits and a $50 co-payment for emergency room visits.

Medicare Supplement Plan F is the best option for people over 65 due to the comprehensive nature of this plan. The trick to purchasing this plan is shopping all companies to make sure you get the best price. Getting quotes for Plan F can be quite easy if you contact a national insurance broker who specializes in this type of insurance. They should be able to offer quotes from every company and give you honest advice regarding which plan and company is best for your unique situation.