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TwoCybers, I would like to add that my Medigap Coverage is Plan F (not the high-deductible one) which has no co-pay and no deductible. Therefore, for every visit to the doctor, lab, etc. I pay nothing. My premium for this plan is $123.00 per month. In addition, my Plan F covers up to $50K for out-of-the-country emergencies.

Donna (in SC)
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