Medigap Plan F 

Medigap Plan F is the most comprehensive of the 10 Medigap Plans. However, you can only buy Plan F if you were eligible for Medicare prior to 2020.  As a supplemental plan, Medigap Plan F helps cover most costs not paid for by your Original Medicare Part A and Part B.

What Does Medigap Plan F Cover?	Jump to
What’s Not Covered by Medigap Plan F?	Jump to
Why was Medigap Plan F Retired?	Jump to
Is Medigap Plan F Right for Me?	Jump to

What does Medigap Plan F Cover?

As the most comprehensive Medigap plan, Plan F covers all 9 standard Medigap benefits, including:

• Medicare Part A coinsurance & hospital costs 
• Medicare Part B coinsurance or copayments 
• First 3 pints of a blood transfusion 
• Part A hospice care coinsurance or copayments 
• Skilled nursing facility care 
• Medicare Part A deductible 
• Medicare Part B deductible 
• Foreign travel emergency care 
• Part B excess charges 

The 9 standard Medigap Plan F benefits explained:

1. Medicare Part A coinsurance and hospital costs
   Medigap Plan F covers your Part A coinsurance and hospital costs for days 61 through 150. In addition,
   this benefit covers up to 365 more hospital days after your Medicare benefits are used up.ⁱ
   
   Note: Typically, Medicare Part A coinsurances don’t kick in until after you’ve paid your deductible for the year, but since Medigap Plan F covers your Part A deductible, you don’t have to pay anything.
2. Skilled nursing facility care
   Original Medicare pays all your skilled nursing care costs for the first 20 days. Typically, you’re responsible for paying for any days after that. Medigap Plan F pays your share for days 21 through 100.
   
   Note: Neither Original Medicare nor Medigap plans pay for any skilled nursing care longer than 100 days.
3. Medicare Part B coinsurance or copayment
   Medigap Plan F covers your Part B coinsurances and copayments, typically 20% of the Medicare-approved amount for most doctor services, outpatient therapy, and durable medical equipment.ⁱ 
   
   Note: Medicare Part B coinsurances and copayments don’t kick in until after you’ve paid your Part B deductible. With Medigap Plan C, you are still required to pay your Part B deductible.ⁱ   
4. First 3 pints of a blood
   Medigap Plan F covers the first three prints of blood per year.ⁱ 
5. Medicare Part A hospice care coinsurance or copayment
   Medigap Plan F covers your 5% coinsurance for palliative drugs and respite care under the Part A hospice benefit.ⁱ 
6. Medicare Part A deductible
   Original Medicare Part A charges deductibles per benefit period before your Medicare benefits can kick in.
   In 2022, the Part A deductible is $1,556ⁱⁱ. Medigap Plan F covers this cost for you.
7. Medicare Part B deductible
   Original Medicare Part B charges a deductible per year before your Medicare benefits can kick in. In 2022,
   the Part B deductible is $233.ⁱⁱ Medigap Plan F covers this cost for you.
8. Foreign travel care
   Original Medicare doesn’t typically cover health care while you’re traveling abroad. However, Medigap Plans F will cover up to 80% of covered foreign travel emergency care if it begins during the first 60 days of your trip.ⁱⁱⁱ 
9. Medicare Part B excess charges
   Some doctors can bill you for up to 15% more than what Medicare thinks a procedure is worth. This is called a Part B excess charge, which you’re usually responsible for paying. Medigap Plan F covers those charges for you.ⁱ

What’s Not Covered by Medigap Plan F?

While Medigap Plan F covers all 9 standard Medigap benefits, there are a few things that aren’t covered by Plan F – or any Medigap Plan.

Regardless of which Medigap Plan you buy, it will not cover:

• Routine dental, vision or hearing services
• Eyeglasses or contacts
• Hearing aids
• Long-term care or custodial care
• Prescription drugs

How Much Does Medigap Plan F Cost?

Like any Medigap Plan, Plan F comes with monthly premiums. These premiums are set by the insurance company selling the plan and can vary widely by region. There are also several other factors that impact rates like your age, your gender, whether you use tobacco products, if you qualify for any discounts and more. 

It’s best to compare Medigap plans in your area from as many insurance companies as possible. Carriers can offer the same exact plans at different rates. So, comparison shopping will help you find the best rate available to you.   

Note: You’ll still be responsible for paying your monthly Medicare Part A and Part B premiums – although most people don’t have Part A premiums. Make sure to factor in these costs when considering Medigap premiums.

Why Was Medigap Plan F Retired?

Medigap Plan F is being phased out and is no longer available to anyone joining Medicare after January 1, 2020. Congress voted to retire Plan F (including high-deductible Plan F) – along with Plan C  – because these plans covered the Part B deductible. The decision was made in an effort to reduce medical overuse.  

If you turned 65 before 2020, then you are grandfathered in and are able to keep your Plan F or Plan C  as well as enroll into a Plan F or Plan C for the first time.

Is Medigap Plan F Right for Me?

Whether Medigap Plan F is right for you is going to depend on your health status, budgetary restrictions and lifestyle. It’s also going to depend on how often you visit the doctor, whether you travel abroad, if you can afford to pay more up front for your healthcare in turn for less
out-of-pocket costs and more.

• Were eligible for Medicare before 2020
• Visit the doctor and/or hospital semi-frequently
• Live in a state that doesn’t allow Part B excess charges

There are a few plans that are more popular than others, including a couple that are gaining in popularity since Plans C and F were discontinued for new enrollees. You can learn more about the top Medigap plans here.  

If you need help determining which plan is best for you, Ensurem has licensed agents ready to answer your questions. They can also help you compare Medigap plans available in your area from some of the nation’s top-rated carriers.  

Education is crucial in finding the right Medicare solution for you. With so many Medicare resources out there, it can be difficult finding a source you can trust. That’s why Ensurem has a Compliance Program dedicated to ensuring our Medicare content meets CMS regulations.
So, you can rest assured you’re getting the information you need to make the right coverage decisions.  Learn more here.

Still Need Help? We are Here to Answer Your Questions for your Medicare Supplement Plan Needs

Contact us today to get expert guidance. If you need some ideas of things to ask to get the conversation going, here are some great questions to consider.

• Can you explain the benefits of a Medicare Supplement Plan for Medicare beneficiaries?
• How do Medicare Supplement Plans differ from other Medicare plans in terms of comprehensive coverage?
• What are the key features of Medigap Plan F under Medicare Supplement Insurance?
• What aspects of Medicare Part A and B are covered by a Medigap plan?
• How do Medigap plans offered by private health insurance companies differ?
• Can you clarify the difference between the monthly premium costs of various Medicare Supplement Insurance plans?
• What are the advantages of a high deductible plan in the context of Medigap plans?
• Does Medigap Plan F offer prescription drug coverage?
• How does a Medicare Supplement Insurance plan enhance the basic Medicare benefits?
• Is there a deductible for Medicare Supplement plans, and how does it work?
• Which is considered the best Medicare Supplement plan available currently?
• How do out-of-pocket costs compare between different Medicare Supplement plans?
• Can you explain the difference between Medicare Advantage and Medicare Supplement plans?
• Are there high deductible versions of Medigap Plan F available?
• How do private insurance companies play a role in providing Medicare Supplement insurance?
• What factors should be considered when choosing an insurance company for a Medigap plan?