Medicare Supplement Plan F

Medicare Supplement Plan F ensures that you never pay out-of-pocket for Medicare-covered services.

Medigap plan F has been the #1 selling supplement plan for many years. However, As of 2020, Plan F is no longer be available to new enrollees. Only individuals previously enrolled in Medicare can enroll in this plan. 

Below we take a closer look at what Medigap Plan F has to offer.

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The Need For Supplement Insurance

Although Original Medicare provides excellent health insurance coverage, it’s far from complete. Looming within your benefits are copayments, coinsurance, and multiple deductibles that leave you exposed to high medical care costs.  

Medicare supplemental insurance provides a secondary layer of coverage that fills the financial gaps of Medicare.  

There are 10 Medicare Supplement Plans (Medigap) lettered A-N. Each plan covers a different set of financial gaps in Original Medicare. 

Quick Review of the basics of Medicare. There are four parts of Medicare: 

Medicare supplement insurance is not part of Original Medicare; rather, these are private insurance plans that work alongside your Original Medicare coverage. 

All individuals eligible for Medicare can enroll in Supplemental insurance during one of the Medicare enrollment periods. However, you must currently be enrolled in both Medicare Part A and Medicare Part B.  

Whats Does Medicare Supplement Plan F Cover?

Supplement plan F is the only plan that covers all nine financial gaps in Medicare. See the comparison chart below. 

Here’s what Plan F covers: 

  • Part A coinsurance – Original Medicare only pays for 60 days of inpatient hospital stays. Plan F extends your hospital inpatient care to 365 days.  
  • Part A deductible – this is $1,408 in 2020. Plan F covers this in full. 
  • Part B coinsurance – covers your 20% patient responsibility on all your outpatient services.    
  • Blood – covers the first 3 pints.
  • Skilled nursing care – Original Medicare only covers 20 days of skilled nursing care before requiring you to pay a steep daily coinsurance. Plan F covers this coinsurance. 
  • Foreign Travel Exchange – Plan F provides foreign travel insurance coverage at 80%. Only a few supplement plans cover this gap. If you plan on traveling in the upcoming year, we strongly suggest you consider this plan.  
  • Part B Excess Charges – Most states allow doctors to bill the patient an excess charge up to 15% above what Medicare covers. These are known as excess charges. If you were to have a heart attack, stroke, or other medical emergencies, these excess charges could lead to thousands of dollars in medical bills. Plan F protects you from all excess charges.

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How Medigap Plan F Compares

See how Medicare supplement plan F compares to the other Supplement Plans. 


Who Is Medigap Plan F For?

Individuals in poor health will benefit most from Plan F’s comprehensive coverage. It ensures that you never pay out-of-pocket for Medicare-covered services.  

Healthy individuals can opt for lower-cost Medigap plans such as Plan A, Plan B, Plan C, or Plan K.  

Medigap plan F is for any individual who wants to exchange all out-of-pocket Medicare costs for a single monthly premium.

Cost Of Medicare Supplement Plan F

The cost of your plan will depend on your age, state of residence, zip code, gender, and whether or not you use tobacco. Across the country, the average cost of Medigap Plan F ranges between $140 – $160 per month, roughly $1,500 per year. 

Remember that your monthly premium covers all your co-pays, coinsurance, and Medicare deductibles, so you’ll have zero out-of-pocket Medicare costs. Other supplement plans offer lower premiums, but certain financial gaps remain uncovered.   

Shopping Your Rates 

Due to the popularity of this plan, many insurance providers offer Medigap Plan F. Which means there are many carriers for you to shop and compare rates. 

Our independent agency helps you compare Medicare Supplement Insurance Companies nationwide to locate your lowest cost option.   

Is Plan F Better Than Plan G?

In many cases, Medigap Plan G is cheaper than plan F, and it includes all of the same benefits. 

Plan G covers all gaps in Medicare except the Part B deductible of $185 per year. By paying this yearly deductible, Plan G typically offers lower premiums than Plan F. However, if you add up the annual premium amount for plan G and include the $185 deductible, the total yearly cost is often less then Plan F.  

One of our helpful agents can help your compare Medigap plan F with Medigap plan G to help you get the best coverage for the lowest cost. 

Customize Your Medicare Benefits

Customizing your Medicare benefits can be challenging if going about it alone. The good news is you don’t have too. Our helpful agents are experts in all things Medicare. We’re here to help you find your best options for customizing your benefits. 

From Medigap to Medicare Advantage, we’re here to help. 

We’ve helped thousands of clients customize their Medicare benefits. And we’d love to help you too! 

Our services are free. And there’s no obligation when speaking with an agent. Get started today by comparing Medicare Supplement Plan F quotes. 

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