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What is Medicare Supplement Plan F?
Medicare Supplement Plan F offers the most comprehensive basic benefits out of all Medicare Supplement (Medigap) policies. As a result of providing a complete benefits list, Medigap Plan F is often the most expensive plan option out of all other Medigap plans, yet it remains a popular choice among Medicare beneficiaries. Medigap Plan F leaves enrollees with minimal out-of-pocket expenses by covering the remainder of hospital and doctor costs after Original Medicare (Part A and Part B) has paid its portion.
Benefits of Medigap Plan F
The following is a list of costs and benefits covered by Medigap Plan F:
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![Plan F Plan F](https://www.trustedseniorspecialists.com/hs-fs/hubfs/Website%20Images/Plan%20D%E2%80%93Deductable.png?width=140&height=140&name=Plan%20D%E2%80%93Deductable.png)
Part A deductible
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![365 days_icon 365 days_icon](https://www.trustedseniorspecialists.com/hs-fs/hubfs/Website%20Images/365%20days_icon.png?width=140&height=140&name=365%20days_icon.png)
Part A hospital and co-insurance costs up to an additional 356 days after Medicare benefits are exhausted
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![blood pints_icon blood pints_icon](https://www.trustedseniorspecialists.com/hs-fs/hubfs/Website%20Images/blood%20pints_icon.png?width=140&height=140&name=blood%20pints_icon.png)
First three pints of blood used in an approved medical procedure (annually)
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![Hospics_icon Hospics_icon](https://www.trustedseniorspecialists.com/hs-fs/hubfs/Website%20Images/Hospics_icon.png?width=140&height=140&name=Hospics_icon.png)
Part A hospice care co-payment or co-insurance
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![preventative services-1 preventative services-1](https://www.trustedseniorspecialists.com/hs-fs/hubfs/Website%20Images/preventative%20services-1.png?width=140&height=140&name=preventative%20services-1.png)
Part B deductible
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![PPO–Cost Limits-1 PPO–Cost Limits-1](https://www.trustedseniorspecialists.com/hs-fs/hubfs/Website%20Images/PPO%E2%80%93Cost%20Limits-1.png?width=140&height=140&name=PPO%E2%80%93Cost%20Limits-1.png)
Part B co-insurance or co-payment
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![CoInsurance_icon CoInsurance_icon](https://www.trustedseniorspecialists.com/hs-fs/hubfs/Website%20Images/CoInsurance_icon.png?width=140&height=140&name=CoInsurance_icon.png)
Preventative care Part B coinsurance
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![Excess Charges Excess Charges](https://www.trustedseniorspecialists.com/hs-fs/hubfs/Website%20Images/PFFS%E2%80%93Out%20of%20Pocket.png?width=140&height=140&name=PFFS%E2%80%93Out%20of%20Pocket.png)
Part B excess charges
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![Nursing_icon Nursing_icon](https://www.trustedseniorspecialists.com/hs-fs/hubfs/Website%20Images/Nursing_icon.png?width=140&height=140&name=Nursing_icon.png)
Skilled Nursing Facility (SNF) co-insurance
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![Plan D–Foreign Travel Plan D–Foreign Travel](https://www.trustedseniorspecialists.com/hs-fs/hubfs/Website%20Images/Plan%20D%E2%80%93Foreign%20Travel.png?width=140&height=140&name=Plan%20D%E2%80%93Foreign%20Travel.png)
Foreign Travel Emergency
Costs Associated with Medigap Plan F Coverage:
There is an additional high deductible Medigap Plan F option that requires beneficiaries to pay out-of-pocket expenses for the first $2,340 in 2020 before the plan will begin paying for coverage. This plan is a cheaper alternative to the standard Medigap Plan F, since the beneficiary is responsible for higher out-of-pocket costs from the start.
*As of January 1, 2020, people newly eligible for Medicare won’t be able to buy Medicare Supplement Plan F. If you bought a Medicare Supplement Plan F before January 2020, you can generally keep your coverage. Existing Medicare Supplement Plan F policies cannot be cancelled by an insurance company unless you fail to pay your premiums, you gave false information on your application, or the insurance company goes bankrupt.
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