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Medicare Supplement Plan F

What is Medicare Supplement Plan F?

Medicare Supplement Plan F Covered Benefits

The following is a list of costs and benefits covered by Medigap Plan F:

  • Part A deductible
  • Part A hospital and co-insurance costs up to an additional 356 days after Medicare benefits are exhausted
  • First three pints of blood used in an approved medical procedure (annually)
  • Part A hospice care co-payment or co-insurance
  • Part B deductible
  • Part B co-insurance or co-payment
  • Part B excess charges
  • Preventative care Part B coinsurance
  • Skilled Nursing Facility (SNF) co-insurance
  • Foreign travel emergency

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.

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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