I have a supplemental plan that pays its part of the 20% if the procedure is medically necessary. IOW no co pay. Not an Advantage plan or Medigap. It’s a Plan F. Never had to pay a cent and no copays if the doctor says I need it.
Your Plan F is a Medigap supplemental policy, no longer available to new enrollees since 2020. The closest Medigap plan available for enrollment today is Plan G, which does not cover the Medicare Part B deductible. Plans F and G also have the most expensive monthly premiums for Medigap supplemental policies.
How much do you pay monthly for that plan?