Is Medigap The Same As Part B? 
Here is how senior coverage stacks up : Part A - covers hospital care , skilled nursing facility care , nursing home care -LRB- as long as custodial care is n't the only care you need -RRB- , hospice , and health care services . Part B - covers Physician care . It covers services like lab tests , surgeries , doctor visits and supplies like wheelchairs and walkers that are considered medically necessary to treat a disease or condition . Once you have Part A and Part B , you can purchase a Medicare Supplement Plan such as Plan F , also known as Medigap . Plan F covers costs known as Medicare Part B excess charges . With Medicare Supplement Plan F you get the most complete coverage available . Because the plan covers costs in excess of Medicare-approved amounts , you may have no out-of-pocket costs for hospital and doctor 's office care with this plan . There is a Plan F `` high deductible '' option that can save you money on the monthly premiums , but the `` high deductible '' comes with a deductible of $ 2140 for 2014 before the plan pays anything . As always , it is best to find an independent insurance broker that works with seniors to help navigate the choices . 