Physicians Mutual F High Ded Innovative?

There is a 2 1/2 year old thread in the agents and brokers forum:

As a new user the forum will not let me post a link to the thread that I am referencing but it is called "F'd Over by Physicians Mutual."

that discusses (mostly negative) Physicians Mutual F High Deductible Innovative Medigap plan. Is the consensus still that this is a poor choice for those considering F high deductible. I like the idea that it converts back to F after 3 plus years. The premiums for the innovative do not seem to be that much higher then what I am currently looking at with Globe high F and I like the fact t
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