Medigap Plan F, also known as Medicare Supplement Plan F, is the most comprehensive of all 10 Medigap plans. It results in almost no out-of-pocket healthcare expenses, which is why it’s become the most popular option.

If you’re nearing age 65, you need to know whether Medigap Plan F will serve your needs and your budget. Here are five things to consider before you apply.

Medigap Plan F Offers Higher Coverage Levels and Comes With Higher Premiums


Don’t let the potential for higher premiums scare you if you’re interested in more comprehensive coverage. With any health insurance product, you must balance upfront costs with out-of-pocket costs. In other words, a higher premium might make sense if you prefer to budget your healthcare costs ahead of time.

Maybe you’ve already worked your Medigap Plan F coverage into your budget. Since you don’t have to pay extra costs, such as deductibles and copayments, you can better forecast your healthcare-related costs.

Other Medigap plans come with lower premiums, but they don’t cover as many of your out-of-pocket costs.

CMS Medsup Comparison Chart

You Won’t Have to Pay Deductibles


While coinsurance and copayments refer to monies owed at the time of service, deductibles are amounts of money you must pay out-of-pocket before insurance kicks in. Plan F covers both Part A and Part B deductibles.

It’s the only difference between Medigap Plan G, which covers everything except the Part B deductible. This is why many beneficiaries struggle to choose between Plans F and G.

comparing medigap plan f

The Part B deductible as of 2018 is $183

Consider running the numbers. If you’ll save more than $183 off your annual premium by applying for Plan G, it might offer the most practical option.

Selecting Medigap coverage is an essential part of planning for retirement. Compare Medigap Plan F against your other options, and then start shopping for the ideal insurance company.

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