When you enroll in Medicare, you can choose which “parts” of Medicare you are covered by. The different Medicare options to cover your basic healthcare needs include Part A, Part B, Part C, and Part D.

There are also several Medicare Supplement (Medigap) plan add-ons that can offer additional coverage and help with expenses. Medicare Supplement Plan F, also called Medigap Plan F, is a Medigap policy added onto your Medicare plan that helps cover your health insurance costs.

In this article, we will explore what Medicare Supplement Plan F is, how much it costs, what it covers, and more.

Medigap is offered by private insurance companies as an add-on to your original Medicare plan. The purpose of having a Medigap plan is to help cover your Medicare costs, such as deductibles, copayments, and coinsurance. There are 10 Medigap plans that insurance companies can offer, including A, B, C, D, F, G, K, L, M, and N.

Medigap Plan F, also called Medicare Supplement Plan F, is the most comprehensive Medigap plan offered. It covers almost all your Medicare Part A and Part B costs so that you owe very little money out-of-pocket for healthcare services.

Research has suggested that Medigap is mostly popular with low to moderate-income beneficiaries, but Medigap Plan F may also be beneficial to people who:

  • want to pay as little as possible for healthcare expenses
  • require frequent medical care and visit the doctor often
  • require financial assistance with nursing care or hospice care
  • travel out of the country often but don’t have traveler’s health insurance

Medigap Plan F is only available to people who were enrolled BEFORE January 1, 2020. Plan F is no longer offered to new Medicare enrollees.

If you are enrolled in Medicare Supplement Plan F, you are responsible for the following costs:

  • Monthly premium. Each Medigap plan has its own monthly premium. This cost will differ depending on which plan you choose, and what company you purchase your plan through. Since Medigap doesn’t cover original Medicare premiums, you are also responsible for paying your Medicare Part A and Part B premium costs. The monthly premium for Part A starts at $252 and the monthly premium for Part B starts and $144.60.
  • Yearly deductible. While Medigap Plan F itself does not have a yearly deductible, both Medicare Part A and Part B do. However, unlike some of the other options offered, Medigap Plan F covers 100 percent of the Part A and Part B deductibles.
  • Copayments & coinsurance. Without a Medigap plan, you will owe copayments and coinsurance for Medicare Parts A and B whenever you seek medical services. With Medigap Supplement Plan F, all your Part A and Part B copayments and coinsurance are completely covered, resulting in an almost $0 out-of-pocket cost for medical or hospital services.

Medigap Plan F also includes a high-deductible option for Medicare beneficiaries looking to enroll in the plan. With this option, you owe an annual deductible of $2,340 before Medigap pays out.

This high-deductible Medicare Supplement Plan F is a great option for people who prefer to pay the lowest monthly premium possible for the plan.

Examples of Medigap Plan F premiums

CityPlan optionMonthly premium
Los Angeles, CAhigh deductible$21 – $74
(plus standard $144.60 Part B premium)
Los Angeles, CAstandard deductible$119 – $372
(plus standard $144.60 Part B premium)
New York, NYhigh deductible$51 – $167
(plus standard $144.60 Part B premium)
New York, NYstandard deductible$193 – $568
(plus standard $144.60 Part B premium)
Chicago, ILhigh deductible$31 – $91
(plus standard $144.60 Part B premium)
Chicago, ILstandard deductible$111 – $294
(plus standard $144.60 Part B premium)
Dallas, TXhigh deductible$24 – $110
(plus standard $144.60 Part B premium)
Dallas, TXstandard deductible$99 – $306
(plus standard $144.60 Part B premium)

If you already have Medicare Advantage, you may be considering switching to original Medicare with a Medigap policy. Previously, anyone enrolled in original Medicare could purchase Medigap Plan F. However, as of January 1, 2020, this Medigap plan is no longer for sale to new Medicare beneficiaries.

If you were already enrolled in Medicare Supplement Plan F, you can keep the plan and the benefits. Also, if you were eligible for Medicare before January 1, 2020, but missed the enrollment, you may still be eligible to purchase Medigap Plan F.

If you are planning to enroll in Medigap, there are special enrollment periods that you should take note of:

  • Medigap open enrollment runs 6 months from the month you turn 65 and enroll in Medicare Part B.
  • Medigap special enrollment is for people who may qualify for Medicare and Medigap before turning 65, such as those with ESRD or other pre-existing conditions.

It is important to note that during the Medigap open enrollment period, you cannot be denied a Medigap policy for pre-existing health conditions. However, outside of the open enrollment period, insurance companies can deny you a Medigap policy because of your health, even if you qualify for one. Therefore, it’s in your best interest to enroll in Medicare Supplement Plan F as soon as possible if you still qualify.

Medicare Supplement Plan F is the most comprehensive of the Medigap plan offerings, as it covers almost all of the costs associated with Medicare parts A and B. All Medigap plans are standardized, meaning that legally, the coverage offered must be the same from state-to-state (with the exception of Massachusetts, Minnesota, or Wisconsin). Here’s what Medigap Plan F covers:

  • Part A coinsurance and hospital costs
  • Part A hospice care coinsurance or copayments
  • Part A nursing facility care coinsurance
  • Part A deductible
  • Part B coinsurance or copayments
  • Part B deductible
  • Part B excess charges
  • Blood transfusions (up to 3 pints)
  • 80 percent of foreign travel costs

There is no out-of-pocket limit with Medigap Plan F, and it does not cover either of your Medicare Part A and Part B monthly premiums.

As noted above, all Medigap plans are standardized by law – except for if you live in Massachusetts, Minnesota, or Wisconsin. In these states, Medigap policies are standardized differently, so you may not be offered the same coverage with Medigap Plan F.

Options if you cannot enroll in Plan F

If you were already covered by Medicare Supplement Plan F before January 1, 2020, you can keep your plan and your coverage. If not, you’ll likely be considering other plan offerings, as Medigap Plan F is no longer offered to new Medicare beneficiaries. Here are a few Medigap options to consider if you can no longer enroll in Plan F:

  • Medigap Plan G. This is the closest Medigap offering to Medigap Plan F, differing only in that being that it doesn’t cover the $198 Part B deductible. However, since Medigap plans sold to new beneficiaries are no longer allowed to cover this deductible anyway, this plan is technically the “new” Medigap Plan F.
  • Medigap Plan D. This plan is a step down from Plan G because it does not cover the Part B excess charge. While not all providers include an excess charge for services, this can add up very quickly if your provider chooses to do so.
  • Medigap Plan N. This plan is very similar to Plan D but with Plan N, you may still be responsible for paying copayments for certain office and emergency room visits.

If you are looking for an alternative to Medicare Supplement Plan F, Medigap Plan G is the closest option. Whenever you’re ready to enroll, you can visit Medicare.gov to find a Medigap policy near you.

Medicare Supplement Plan F is a comprehensive Medigap plan that helps cover your Medicare Part A and Part B deductibles, copayments, and coinsurance. Medigap Plan F is beneficial for low-income beneficiaries who require frequent medical care, or for anyone looking to pay as little out-of-pocket as possible for medical services.

Since Medigap Plan F is no longer offered to new enrollees, Medigap Plan G offers similar coverage without covering the Part B deductible.

If you’re ready to move forward and enroll in a Medigap plan, you can use Medicare.gov’s website to search for policies near you.

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