Medigap Plan F offers a high deductible option. You must pay for Medicare-covered costs up to the high-deductible amount ($2,110 in 2013) before your Medigap policy pays anything
100% part B coinsurance except up to $20 copayment for office visits and up to $50 copayment for ER.
You must also pay a separate deductible for foreign travel emergency ($250 per year).
After you meet your out-of-pocket yearly limit and your yearly Part B deductible ($147 in 2013) the plan pays 100% of covered services for the rest of the calendar year (This applies only to plans K & L)
Modified Plan F offers an individual assistance program, as well as coverage for preventive dental care (available in some states)