My wife and I are both retired and have plan "F" since 2011 and have never had to pay a co pay or excess charge of any type for doctors or surgery.February of this year my wife had a complete knee replacement done at the Hospital for special surgery in NY we had no extra cost at all. The company we deal with is Family Life . It's a local company called First Jersey Insurance Agency,Inc. Our agents name is Brian DeRoss there # 732-308-9500.
We are satisfied with this agency and agent.