Medicare supplement plans only differ on price. A Plan F and the level of care you receive does not differ from one company to the next. All plans and what they cover are dictated by the Federal Government. So based on the plan you choose every company with that plan letter will cover the same benefits. The only difference from one company to another is the price, its just that simple. So how do you know if you are over paying for your coverage ? We will provide you with an unbiased quote and show you if you are over paying for your plan.......its just that simple. If we cannot show you a savings and keep the benefits the same or improve them then we will tell you.