What Is Medicare Supplement Plan F?

Medigap Plan F is the most comprehensive Medicare Supplement insurance plan available; however, there are eligibility restrictions for Medigap Plan F.

Plan F is unfortunately only available to Medicare beneficiaries who were eligible to enroll in Original Medicare by December 31, 2019. Therefore, most beneficiaries enrolling in Medicare today are not eligible for Plan F and will not see rate options for Plan F when requesting quotes online.

If you have established that you are not eligible for Medigap Plan F, you may want to consider Plan G as the next best alternative.

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What Does Medigap Plan F Cover?

According to Medicare.gov, Medicare Supplement Plan F covers the following:

  • 100% Medicare Part A coinsurance
  • Up to an additional 365 days of hospital care beyond Original Medicare benefits
  • 100% Part B coinsurance and copayments
  • First 3 pints of blood required for a blood transfusion
  • 100% Part A hospice care coinsurance and copayments
  • 100% skilled nursing facility care coinsurance
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • 80% foreign travel emergency care

What Is Not Covered by Medicare Plan F?

Medigap Plan F does not cover the following:

  • Hearing care
  • Vision care
  • Dental services
  • Prescription drugs
  • Long Term Care

Plan F Cost

On average, you can expect to pay between $100 and $200 per month for Plan F. Some insurance companies may offer high-deductible Plan F, which allows for much lower premiums but a significantly higher annual deductible.
Below is an average for Plan F for various ages and locations:
Medigap Plan Premium Gender/Age State
Plan F $165.00 Male age 65 TX
Plan F $195.00 Female age 70 OH
Plan F $171.00 Female age 65 PA
Rates are subject to Medicare Part B start date and/or medical underwriting.

Plan F is the most expensive Medigap policy because it offers the most comprehensive coverage. It eliminates most out-of-pocket expenses for beneficiaries; therefore, you pay for all of your medical expenses through a higher monthly premium.

Your Plan F monthly premium is influenced by a variety of factors, including:

  • Gender
  • Zip code
  • Age at enrollment
  • Tobacco use

Not all insurance companies offer Plan F, so there may be limited or no availability in your area.

When and Where to Buy Medicare Plan F

As long as you were enrolled in Medicare Part B by December 31, 2019, you qualify for Medigap Plan F. However, Plan F may not be the most cost-effective choice due to higher monthly premiums that may not outweigh your plan benefits.  A better alternative to consider may be Plan G or Plan N.

There are many factors to consider when choosing your Medicare Supplement plan.  Our experienced and qualified agents can guide you in choosing the right plan and assist you in the enrollment process.

Is There an Alternative to Plan F?

Suppose you don’t qualify to enroll in Medicare Plan F. In that case, the policy that offers the next most comprehensive coverage is Medicare Plan G. It offers the same coverage as Plan F, but does not cover the Part B deductible. For beneficiaries who were eligible to enroll in Medicare on or after January 1, 2020, Plan G is the most comprehensive Medigap plan available.

Plan N is another alternative to Plan F. The monthly premiums are lower because the plan doesn’t cover the Medicare Part B deductible or Medicare Part B excess charges. It also requires a small copayment of up to $20 for doctor’s office visits and up to $50 for emergency room visits.

Ready to Learn More?

Choosing the right Medicare Plan for your individual needs requires education, consideration, and guidance.  It is not a decision to be taken lightly. With Policy Guide’s assistance, you will have access to the knowledge and expertise of professional agents who can help you compare different health plans, monthly premiums, and policies to ensure that you make an informed decision. We are here to guide you through this process, one step at a time.

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Mark Prip

Since 2003, Mark Prip has been leading  Policy Guide, Inc., providing knowledgeable information about Medicare, life insurance, and dental coverage to clients in over forty states. With his unparalleled hands-on experience aiding countless Medicare beneficiaries in selecting an appropriate health plan, he is a prime example amongst other competitors for expertise and assistance. Mark has held his Florida Health & Life Insurance License (E051889) since 2003. View his license profile on the Florida Department of Insurance website.