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Medicare has high deductibles for hospitalizations and pays only a portion of doctor bills. A serious illness could cost you thousands of dollars. A Medicare supplement insurance policy covers most of your out-of-pocket expenses. There are a variety of plans from which to choose

Plan F -- Medicare Part A (hospital) and Part B (doctor) payments would be covered by Medicare and your plan.

Plan G -- With Plan G, you pay the doctor deductible each year. This is a one-time payment. The deductible   is $185. This is the only difference between Plan F and G.

Plan N -- You pay the doctor deductible, up to $20 per doctor visit and up to $50 for emergency room visit. This plan is designed for those willing to take additional responsibility for routine health care expenses in exchange for lower premiums.