Yes, all the websites show all the plans for a particular zip code, but there is no guarantee of enrollment.Thanks, in her zip code, all the Medicare Advantage plans seem to be HMOs but the network includes hospitals and medical groups which are well regarded.
They do continue to show all the Medigap options, including several Plan Fs.
In each policy, both the Medicare Advantage and the MediGap F, she needs to pay Medicare B separately, and it is withheld from her monthly SS.One thing I understand is that Plan F includes Part B premiums? I think they were already deducting Part B premiums in her Social Security checks. Does that mean if she enrolled in Plan F, they'd stop deducting from her Social Security checks? That might offset the higher premiums of Plan F compared to the Medicare Advantage plans.
When you compare the Medicare Advantage with the Medicare B + MediGap F, don't forget to add the premiums and deductible for Plan D. The deductibles for D are usually pretty high. Medicare has a tool on it's website here that is very good. If you list the drugs it will tell you the cost for the plan, including premiums and cost sharing. It will also list all the plans available in your zip code.