F covers Medicare Part B deductible and all Part B excess charges G dose not.
All advantage plans cover emergency services so your concern about your husband is not legit. The bigger issue is should he have an illness can he see the specialist best suited to his needs?
And studying for 4 weeks is overkill. Find an agent you can trust.
from what i have seen the biggest issue with many advantage plans is course of treatment .
with the gate keeper being a for profit insurer and not , not for profit gov't medicare , the insurer gets to determine what your treatment will be .
while they are supposed to cover what medicare does , you don't have gov't medicare and can't prove what medicare would have paid for in your case and the insurer knows this , so they have you over a barrel .
the craziest situation was someone we know with an advantage plan who used to rave about how little they were paying . they developed pituitary gland cancer . the surgeons wanted both the cancerous side and the other half which was not in great shape removed .
the for profit insurer said no , they will only pay for the cancerous side . the surgeons argued that is insane and medicare always pays to have both halves removed .. but not having medicare to prove they would have paid to do both sides in this case , the insurer was free to do as they pleased ... now she has to live with a ticking time bomb waiting for the other half to show cancerous too ..
no thanks , there are very few advantage plans i would ever touch .
this is a major difference that most are not aware of when they look at cheaper advantage plans . they just assume that if medicare covers something they are covered but that is hardly the case when issues like this come up ... the insurers know you can't prove in each individual case what medicare would have approved since you don't have gov't medicare .
Yes, the insurance carrier has to pre approve treatment thats substantial in cost and long term. At least thats what Ive read. And discovered this after searching high and low about the plans and how people experienced the coverage. I did not choose this advantage. It frankly takes more decision away from the doctors and patiences and leaves it to the insurance co.
for us a high deductible f-plan is perfect . it is the best deal around for us .