Medigap F, G and N, also high deductible

F is usually much higher than G …. Which is ridiculous because the only difference is the less than $300 doctors, etc deductible. Both pay all the other deductibles and co-pay that Original Medicare leaves. N is a watered down version of G, but I don’t remember the difference. I don’t have much love for the high deductible options. In my opinion, you play with fire when selecting those at our age. My spouse and I both have G. I love it because I know what my costs are going to be - the monthly premium plus the less than $300 deductible. Don’t forget that you need a Part D plan for prescriptions. You can select a different Part D plan every year - whatever best covers your known prescriptions for the upcoming year.

When retired from teaching, I was on Medicare and a Horizon PPO that is like Blue Cross Blue Shield. I have stayed with this plan for over 15 years. I have never been denied for any medical testing, the co pay is low, and I have had no out of pocket for surgery. I would look at the list of doctors who accept these plans and what is or isn’t covered with your husband’s medical condition.