Which type of plan would be most appropriate for an individual on Medicare who is concerned that Medicare will not pay for charges exceeding the approved amount?

A Medicare Supplement Plan F is specifically designed to address the gaps in coverage that Original Medicare does not fully cover, including excess charges that exceed the approved amounts. When a healthcare provider charges more than the Medicare-approved amount, Medicare may not cover the full cost, potentially leaving the beneficiary with significant out-of-pocket expenses.

Plan F helps alleviate these concerns by providing coverage for the Medicare Part A and Part B deductibles, coinsurances, and copayments. A key feature of Plan F is that it also pays for the excess charges that some providers may impose. Therefore, it is well-suited for an individual who desires comprehensive financial protection against such additional charges while using Medicare services.

The other options do not specifically address this concern. A Medicare Advantage Plan offers an alternative way to receive Medicare benefits but may not cover excess charges beyond Medicare's allowed amounts. A Medicare Part D Plan provides coverage for prescription drugs but does not apply to medical services or charges. Lastly, a Medicare Savings Plan offers assistance with premiums and cost-sharing for low-income individuals but does not specifically cover excess charges associated with provider fees.