Generally speaking there are two types of plan F coverage. One plan F is a high deductible which has a lower premium than the standard plan F. You’ve got to shop around.
In my experience AARP seems to have the best plan F around.
My concern is I cant find any one that can explain just what and how “Excess Charges” comes into play. MY Dr is one of them?
That 70 buck dif will pay for dental for the year but don’t want to get hit with some unforeseen thousand dollar charge