Check out the math.
The difference between Medicare Supplemental Plan F and High-Deductible Plan F (i.e., F+) is the $2,240 (in 2018) deductible. With F+ you have to first pay the entire $2,240 deductible before ANY insurance kicks in.
Now do the math. And I did it for you above.
Assume that YOU will EXCEED the $2,240 deductible. So just factor it in as a 12-month ‘premium’. So, that is $2,240 ÷ 12 = $186.67 a month.
Add that $186.67 to the F+ premium, in this example $72. $72 + $186+67 = $258.67.
Cheaper whichever way you try to skin this cat.
OK. So you have to pay the deductible to begin with. But, you are saving $62.33 A MONTH to pay that deductible.
I am all in favor of F+. That makes sense to I.
Check Category ‘Healthcare’.