I have a Plan F that covers everything. It is so much easier to budget the monthly cost of the plan than worry if we'll have money available if we have to see a doctor/ER/hospital.
That is why, when one is buying a Medigap plan, they MUST read just what each plan covers. Whatever plan they choose, the only difference is the price of the plan when comparing it to other plans with like letter. If one has a Plan C (example only) in New York and another one has a Plan C in Texas (or any other state), those Plans C cover exactly the same thing, no matter where they're bought or where you are when you need to use it. Ditto for every other medigap plan. The only difference is the monthly fee.