Is Medigap Plan F The Best? 
Coverage wise Plan F is considered the Cadillac Plan . You have virtually no out of pocket expenses for Medicare covered charges . It is also going to be the highest premium . Depending on a persons situation , there may be other plans that are more cost effective . Compare the premiums for Plan N , D , and C or look at the High Deductible F. HDF is very inexpensive compared to other plans . Your out of pocket exposure is limited to around $ 2200 . Medicare will pay there portion until this deductible is met . This is a good choice for those on a limited budget . 