AARP UnitedHealthcare Plan F Medicare supplemental insurance pays for the first three pints of blood needed for medical care, covers the coinsurance costs of preventative care, pays for the 5 percent fee for hospice and palliative medicine, and covers the entire hospital deductible. The plan also pays for foreign travel emergencies, 100 percent of Medicare Part B excess charges and deductibles, and skilled nursing home fees, notes AARP.
Most Medicare supplemental insurance policies, commonly called Medigap insurance, provide the exact same benefits depending on their specific plan letter, explains AARP. The federal government determines the coverage offered by each plan. Only Massachusetts, Minnesota and Wisconsin have different types of plans.
Plan F is the most comprehensive and expensive Medigap insurance policy, states eHealthInsurance. After original Medicare pays covered doctor and hospital charges, this Medigap policy pays all of the other costs. Therefore the beneficiary has no out-of-pocket expenses. However, Plan F does not pay the premiums for Medicare Part A and Medicare Part B coverage.
There are also some expenses that no Medigap plan covers, notes AARP. These health expenses include hearing aids, vision care, dental care, glasses and prescription medications. A supplemental policy also does not pay for private nursing or long-term care to help beneficiaries complete basic tasks, such as eating, using the bathroom or bathing.