Medicare and supplements cannot be compared to ACA. Coverage under a Medigap is standardized - limited to Medicare-approved procedures. This does not vary by company.
https://www.medicare.gov/supplement-...e-medigap.html
Unless you choose a cost-sharing Medigap or an Advantage plan, there are no deductibles (other than annual Part B of $183 for Plan G), copays, max out of pockets or provider networks under Medicare.
When you have Medicare plus a Medigap G, your Medicare-approved expenses will be paid 80% by Medicare, 20% by the Medigap - except for the $183 annual Part B deductible which can change annually. Your cost is limited to the Medigap premium, Part B premium and deductible, Part D premium, Part D copays - and any non-Medicare-approved procedures and expenses.
Plan F pays the Part B deductible ($183) but is being discontinued in 2020. FL UHC policies are issue-age, so when F is no longer offered your premium increases should not be affected and should reflect only those of your age-group. Pricing of Medigaps is explained, here:
https://www.medicare.gov/find-a-plan...-policies.aspx
For many companies, the annual premium for an F exceeds the $183 deductible. If you decide on an F while it is still available, compare that premium to Plan G.
Under a Medigap, you are allowed to see
any doctor who accepts Medicare patients anywhere in the country. There are no networks.
Preexisting conditions are irrelevant if you purchase your Medigap within six months of enrolling in Part B. If you chose to change carriers later, you may be subject to health underwriting. So, plan on keeping what you buy unless you move to a guaranteed issue state.
That's as simple as it gets.
The AARP UHC Medigap is a great plan - many FL residents who post here have it.
You should read:
https://www.medicare.gov/supplement-...y-medigap.html
//www.city-data.com/forum/43835454-post8.html
and this thread
//www.city-data.com/forum/healt...ents-able.html
in its entirety - if you have not yet done so.