• positive review  I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    thumb Pilan Sue Butts
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    thumb Tina Hiebert
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

    thumb Joe Moynihan
  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    thumb Angele Navares
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    thumb Elizabeth Tatge
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    thumb Karen P. Katz
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    thumb Rick Graves
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    thumb Jack Broome
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    thumb Diane Langille-stone
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    thumb Lorraine Roche

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Is Medicare Part F the best Medigap plan?

Have you spoken to a friend, family member, or neighbor about Medicare Part F?

First things first.  When it comes to Medicare Supplements, there is no Part F.  It’s actually Medicare Supplement Plan F.

Confusing right?  When it comes to confusing folks, Medicare is right there at the top.

I’m going to break down Medicare Supplement Plan F in basic terms and make this as simple as possible.

Medicare Supplement plans are also called Medigap plans.  These terms are interchangeable, but often confuse people when shopping for coverage.  Just remember that Medigap is the same exact thing as Medicare Supplements.

Of all the Medicare Supplement plans available, Medicare Plan F is the most comprehensive as well as the most popular. Just like other insurances you should know what you are getting.  Let’s look at the most common questions about it.

What does it cover?

Medigap Plan F covers all gaps which are left by your Medicare  A and B coverage.  If your doctor or hospital visit has a Medicare approved charge, your Plan F will cover the rest.  You will not see a bill. You will only pay your Plan F premium and nothing more.  No copays, no deductibles, and no coinsurance.

Medicare plan F benefits in sixty seconds

Medicare has some basic benefits which include:

· Hospitalization that pays your Part A coinsurance as well as coverage for 365 additional days after the end of the Medicare benefits.

· Medical expenses – pays the Part B coinsurance- this is typically 20% of Medicare approved expenses or the copayments for your outpatient services.

· Blood – pays for your first 3 pints of blood every year.

· Hospice care – pays the Part A coinsurance.

In addition to these basic benefits, plan F also gives coverage for:

· Care with a skilled nursing facility

· The Medicare Part A deductible for your hospitalization

· Medicare Part B deductible for hospital and outpatient costs

· The excess charges for Medicare Part B –the difference between the amount Medicare will pay up and what a provider or doctor charges

· When traveling abroad, it will provide medical emergency assistance

What does it not cover?

Medicare Supplement Plan F does not cover your Part B premium coverage; it is the only cost which it doesn’t cover for Part A and B.  The Part B premium is typically taken out of your Social Security on a monthly basis.

What does the plan cost?

This depends on several factors. The simple answer to this question is to get several quotes from an independent agent like me (shameless plug). Rates vary based on age, where you live, and if you use tobacco.

If you are almost 65 years, then you get the lowest price as you have an opportunity to receive a Medicare supplement during your open enrollment window within six months after you reach 65 years and you are enrolled in Medicare Part B. During this time, there is no medical underwriting and you can’t be rejected for a plan.

Are there other cheaper plans?


Of all the Medicare plans available, Plan G often has the best value. However, it will not offer you as much coverage as Plan F; Medicare Plan F is the most comprehensive Medicare plan available.

You need to make a decision on the best Medicare plan based on your needs and the amount of risk you are willing to take. With a comprehensive plan such as Medicare supplement Plan F, you are likely to pay more each month but there are no other costs afterward.

With other plans, you pay less each month, but you have to pay extra costs when you require health services.

Hopefully, you feel a bit more comfortable with how Medicare Plan F (Not Medicare Part F) works.

If you have any questions, please don’t hesitate to call me (1-888-411-1329).

I look forward to speaking with you.


Call (888) 411-1329 for your free consultation today!

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1 thought on “Is Medicare Part F the best Medigap plan?”

  1. I had someone sell me a supplement but after researching I fidnt need it. I called last week and had it cancelled because it was to start Tommorow. I was told to send in a letter telling I’m cancelling,. The letter had my message to cancel and to sign and date letter with my account number on it s d I would get my refund asap. Today I got another Bill. Johnny Mullins——policy numberm******** could u please let me know something.

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