Medicare supplements have a high deductible option on Plans F. On this plan, a person with Medicare Parts A and B can choose a plan with a deductible of $2,000 in 2011. The benefit for the insured is lower premiums. Often the premiums are half of what they would have been if the standard Plan F had been chosen. Obviously, the downside is more financial responsibility on the part of the insured. With a high deductible plan, the insurance company does not start paying until the insured has met the deductible. Medicare Parts A & B will pay in their normal manor but the policy will not begin paying until the copays and coinsurance reach the $2,000 deductible in 2011. Whether or not this is a good fit depends on the individuals willingness to accept greater risk based on the price.