Final answer:
Plan F is the most comprehensive Medigap plan, covering all Medicare out-of-pocket costs. It includes coverage for hospital costs, medical costs, out-of-pocket costs, skilled nursing facility care costs, and emergency medical care abroad.
Step-by-step explanation:
The most comprehensive Medigap plan is Plan F. It provides the most coverage out of all the plans and covers all Medicare out-of-pocket costs, including deductibles, coinsurance, and copayments.
Plan F covers:
- Hospital costs: Part A coinsurance, hospital costs up to 365 additional days after Medicare benefits end
- Medical costs: Part B coinsurance or copayments, blood (first 3 pints), Part A hospice care coinsurance or copayments
- Out-of-pocket costs: Deductible for Part A and Part B
- Skilled nursing facility care costs: Part A coinsurance or copayments
- Emergency medical care abroad: Coverage up to plan limits
Plan F offers the most comprehensive Medigap coverage, but it is no longer available to new Medicare enrollees as of January 1, 2020. However, if you were eligible for Medicare before that date, you may still be able to enroll in Plan F.