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  1. Medigap Plan F offers a high deductible option. You must pay for Medicare-covered costs up to the high-deductible amount ($2,140 in 2014) before your Medigap policy pays anything
  2. 100% part B coinsurance except up to $20 copayment for office visits and up to $50 copayment for ER.
  3. You must also pay a separate deductible for foreign travel emergency ($250 per year).
  4. After you meet your out-of-pocket yearly limit and your yearly Part B deductible ($147 in 2014) the plan pays 100% of covered services for the rest of the calendar year (This applies only to plans K & L)
  5. Modified Plan F offers an individual assistance program, as well as coverage for preventive dental care (available in some states)
  • 2014 Out of Pocket Limit for Plan K is $4,940.
  • 2014 Out of Pocket Limit for Plan L is $2,470.