How To Decide On Medigap Insurance? 
Medigap plans are fairly straighforward as they have standardized benefits -LRB- e.g. meaning a medigap plan F from company ABC is the same exact plan F from company XYZ -RRB- . You can see the chart illustration of benefits in the Medigap guidebook on page 11 -LRB- free copies are available on the Medicare.gov website - I can e-mail a copy to you upon request as well -RRB- . Some of the big advantages of Medigap plans are that there are no networks -LRB- you can go to any doctor or hospital that accepts Medicare -RRB- and the policy is guaranteed renewable.Most people buying a Medigap plan will purchase a plan F or plan G as they create the most predictable healthcare expense structures . Plan F offers the most comprehensive coverage - it covers all Medigap benefits at 100 % from day 1 . The advantage of this plan is that it creates a very predictable healthcare expense structure -LRB- for the most part , you 're writing a check for your premium and you 're done - you wo n't get hit with big bills for any Medicare-approved charge -RRB- . Plan G is the second most comprehensive plan available - it 's identical to plan F except you would be responsible for the Medicare Part B deductible -LRB- $ 147 in 2014 -RRB- . The advantage of a plan G is that in many areas the savings in premium per year are greater than the cost of the deductible . For example , if the difference in premium is $ 30 per month - you 're saving $ 360 per year by taking on a risk of $ 147 . The big factor to look at when comparing companies is the price of the plan you select . Remember - a plan F from one company is the same exact plan F from another -LRB- in short , why pay extra for the same coverage -RRB- . I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage and if you have any other questions . Thanks very much . 