Jane Dotson
Medicare Supplement Plan F, also known as Medigap Plan F, is a form of supplemental insurance sold by Medicare-approved private insurers to people who have Original Medicare (parts A and B). Plan F is the most comprehensive of the 10 Medicare Supplement plans available in most states, covering many out-of-pocket costs typically incurred by Medicare beneficiaries, such as deductibles, copays, and coinsurance. However, it is important to note that Plan F does not cover all medical costs, and certain benefits may require the purchase of additional coverage. Availability of Plan F depends on eligibility criteria, including age, location, and date of Medicare enrollment.
| Characteristics | Values |
|---|---|
| Type of Insurance Plan | Medicare Supplement Insurance Plan |
| Other Names | Medigap Plan, Medicare Supplement Plan, MedSup |
| Coverage | Covers deductibles, copays, and coinsurance |
| Coverage Gaps | Does not cover all costs in Original Medicare; does not cover acupuncture |
| Availability | Available in most states; plan availability varies by location |
| Eligibility | Available to people over 65 enrolled in Medicare Parts A and B; available in some states to those under 65 eligible for Medicare due to disability or end-stage renal disease |
| Cost | Generally more expensive than other supplement plans; costs vary by insurer, location, age, gender, and tobacco use |
| High-Deductible Option | Yes |
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What You'll Learn
- Plan F covers the most benefits of all Medicare Supplement Insurance plans
- It is a Medigap plan that helps cover the costs of Original Medicare
- Plan F premiums vary depending on location, age, gender, and tobacco use
- It has two versions: standard Plan F and high-deductible Plan F
- Plan F is not available to people who became eligible for Medicare after January 1, 2020
Plan F covers the most benefits of all Medicare Supplement Insurance plans
Medicare Supplement Insurance Plan F, also known as Medigap Plan F, is a form of supplemental insurance sold by Medicare-approved private insurers to people with Original Medicare (Parts A and B). Plan F offers the most extensive coverage of any of the 10 standard Medigap plans available in most states, making it the most comprehensive option out of all the Medicare Supplement Insurance plans.
Plan F covers most remaining hospital and doctor costs after Original Medicare (Part A and Part B) has paid its share. This means that beneficiaries with this plan may have minimal or no hospital and medical expenses. Plan F covers Part A coinsurance and hospital costs for an additional 365 days after Medicare benefits end. It also covers Part B excess charges, which occur when a provider is permitted to charge more than Medicare's approved amount and does so.
Plan F also covers Part B coinsurance, generally 20% of Medicare-approved expenses, or copayments for hospital outpatient services. Additionally, it provides coverage for foreign travel emergency medical help (up to plan limits) and has a high-deductible plan option. This option requires beneficiaries to pay all fees for medical expenses until they meet their deductible. The deductible for Plan F was $2,800 in 2024 and is $2,490 in 2025.
It is important to note that Plan F does not cover all costs in Original Medicare. For example, beneficiaries will still need to pay their Medicare Part B premium payments each month. Plan F also does not cover expenses incurred for outpatient prescription drugs, other than drugs covered by Medicare Part B.
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It is a Medigap plan that helps cover the costs of Original Medicare
Medicare Supplement Plan F is a Medigap plan that helps cover the costs of Original Medicare (Parts A and B). It is one of the 10 Medigap plans available in most states. Medigap plans are supplemental insurance plans that help cover the gaps in costs that Original Medicare does not fully pay, such as deductibles, copayments, and coinsurance.
Medigap Plan F is considered the most comprehensive plan out of the 10 Medicare Supplement plans. It offers the broadest coverage and helps beneficiaries with out-of-pocket costs in Original Medicare. Due to its extensive coverage, Plan F is a popular plan for those who want broader assistance with out-of-pocket costs. However, this also means that premiums for Plan F tend to be more expensive than other plans.
Plan F covers costs such as Part A coinsurance and hospital costs for up to an additional 365 days after Medicare benefits are used up. It also covers Part B excess charges, which occur when a provider charges more than Medicare's approved amount. Additionally, Plan F covers medical expenses, paying for Part B coinsurance or copayments for hospital outpatient services.
It is important to note that Plan F does not cover all costs associated with Original Medicare. For example, beneficiaries will still need to pay their Medicare Part B premium payments each month. Plan F also does not cover any costs for medical treatments that Medicare does not cover, such as acupuncture.
There are two versions of Plan F: standard Plan F and high-deductible Plan F. The high-deductible option requires beneficiaries to pay all fees for medical expenses until they meet their deductible. This option often has a lower monthly premium than the standard Plan F but may result in higher out-of-pocket costs.
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Plan F premiums vary depending on location, age, gender, and tobacco use
Medicare Supplement Plan F is a comprehensive supplemental insurance plan that helps cover out-of-pocket expenses not paid by Original Medicare. It provides extensive coverage for medical services and reduces or eliminates deductibles, copayments, and coinsurance. Plan F is the most comprehensive option out of the 10 Medicare Supplement plans available in most states.
Plan F premiums can vary depending on location, age, gender, and tobacco use. Firstly, location plays a significant role in determining premiums. Differences in competition, state and local rules, and cost of living contribute to variations in premiums across different areas.
Age is another critical factor, with premiums for older individuals being up to three times higher than those for younger people. Gender can also influence premiums, although it is important to note that health, medical history, and sex cannot be factors in determining premium rates under the healthcare law.
Tobacco use is a significant factor in premium rates, with insurers allowed to charge tobacco users up to 50% more than non-tobacco users. This surcharge is not eligible for a premium tax credit, meaning tobacco users may face higher overall costs.
It is worth noting that Plan F is not available to individuals who turned 65 on or after January 1, 2020, or to some people under the age of 65. However, if you were eligible for Medicare before this date but not yet enrolled, you may still be able to obtain Plan F.
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It has two versions: standard Plan F and high-deductible Plan F
Medicare Supplement Plan F is a Medigap plan that helps cover the costs of Original Medicare (Parts A and B), such as deductibles, copays, and coinsurance. Medigap plans are sold by private insurance companies to help cover an individual’s out-of-pocket costs in Original Medicare. Plan F has two versions: standard Plan F and high-deductible Plan F.
The standard Plan F is a comprehensive plan that covers many out-of-pocket costs typically incurred by Medicare beneficiaries. It is the most extensive coverage among all the standardized plans, so it tends to have higher premiums. The premium for the standard Plan F may vary by insurer, location, age, gender, and tobacco use. People who are eligible for Plan F enrollment can expect to pay a monthly premium between $150 and $400, with the average hovering around $230.
The high-deductible Plan F is a variation on the standard Plan F that requires beneficiaries to pay all out-of-pocket expenses up to the deductible. The deductible amount was $2,800 in 2024 and $2,490 in 2025. After meeting the deductible, the plan begins to pay for Medicare-covered costs. The high-deductible Plan F offers the same basic benefits as the standard Plan F but may have lower premium costs. However, it's important to note that your out-of-pocket costs may be higher with the high-deductible option.
It's important to note that Plan F is not available to everyone. Plan F is only available to Medicare beneficiaries who were eligible for Medicare before January 1, 2020. If you were eligible for Medicare before this date but were not yet enrolled, you may still be able to purchase Plan F.
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Plan F is not available to people who became eligible for Medicare after January 1, 2020
Medicare is the federal health insurance program for older US adults, available from the age of 65. It consists of two main plan options: Medicare Part A covers hospitalization without a premium, and Medicare Part B covers doctor and outpatient care for a monthly premium.
Medicare Supplement Insurance Plan F, also known as Medigap, is a comprehensive supplemental insurance plan that helps cover out-of-pocket expenses not paid by Original Medicare (Parts A and B). It is designed to fill the gaps in costs that Original Medicare does not fully pay, such as deductibles, copayments, and coinsurance. Plan F is considered the most comprehensive plan out of the 10 Medicare Supplement plans available in most states, and it was previously the most popular plan.
However, Plan F is no longer available to people who became eligible for Medicare after January 1, 2020. This change was implemented because Plan F was so popular that people automatically signed up for it without considering other options. Now, only those who were eligible for Medicare on or before January 1, 2020, can sign up for Plan F. People who already had or were covered by Plan F before this date can also keep their plan.
The high-deductible version of Plan F is also only available to those who were not new to Medicare before January 1, 2020. This version requires beneficiaries to pay all out-of-pocket expenses up to the deductible amount, which is $2,870 in 2025.
While Plan F is no longer an option for new Medicare enrollees, there are alternative Medigap plans available, such as Plan G, which offers similar benefits.
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Frequently asked questions
Plan F is a Medicare Supplement Insurance Plan, also known as a Medigap plan, which helps cover the costs of Original Medicare, such as deductibles, copays, and coinsurance.
Plan F covers the most benefits compared to all other Medicare Supplement Insurance plans. It covers hospitalization costs and medical expenses. It also covers Part B excess charges, which is the difference between what a provider charges and the amount Medicare will pay up to its limiting amount.
Plan F is available to people who were eligible for Medicare before January 1, 2020. It is also available to those under 65 who are enrolled in Medicare Part A prior to this date.
The cost of Plan F varies depending on location, insurance provider, age, gender, and tobacco use. It tends to be more expensive than other plans due to its comprehensive coverage, with premiums ranging from $150 to $400 per month on average.
