The Puritan Advisor*

Individual Needs, Individual Coverage: Medicare Supplement Plan F & Plan N


by Jason Elwonger on June 1, 2012

Individual Needs, Individual Coverage: Medicare Supplement Plan F & Plan N

All Medicare supplemental insurance plans are designed to offer a wide array of benefits to help you make the best decision according to your personal health care needs. Medicare F is a policy for those who can anticipate the need for ongoing medical care or treatment. Medicare Supplement F does not require you to pay any co-payments or deductibles. Individuals with ongoing health issues can benefit greatly by saving hundreds of dollars every year with this policy. There would only be a premium to pay, and you do not pay anything out of pocket. 

If you are unsure of what policy best suits you, no problem. As stated above, no single policy is the best policy for everyone. If you are someone who rarely needs to see a doctor, Medicare F may not be right for you. An affordable alternative is Medicare Supplemental insurance Plan N. With this particular policy, you would need to pay co-payments and satisfy a deductible. However, the monthly premium for this plan is much lower than other Medigap policies. Medicare Plan N offers the opportunity to pay one low premium, and yet, still be covered if anything ever happens.

Ask yourself these questions to make an informed decision:

  • Do I currently have any health concerns that may cause more problems for me in the future?
  • Can I expect to only see the doctor for routine check-ups or will I most likely be visiting the doctor often?
  • How much can I afford to pay for my health insurance each month?

Only you know how much you can afford to pay each month for your health insurance.
You can take comfort in knowing that both Medicare F and Medicare Plan N cover the 20% gap in your Medicarecoverage completely.

Puritan provides ongoing assistance and information at no cost. Licensed agents are available to find the best Medicare supplement policy for your specific needs. If you have questions, don’t hesitate to contact us today!


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