Woodman of the World can only raise your premium if we raise the premium for all policies like yours in the same geographic area of the state where you live. This change can be made on
any renewal date. Schedules of rates may vary depending upon your Policy Date.
Medigap Plan F offers a high deductible option. You must pay for Medicare-covered costs up to the high-deductible amount ($2,070 in 2012) 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 ($140 in 2012) 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)