Medicare Supplement Plan F

Plan F

Highlights

Medicare Supplement Plan F is the most comprehensive Medigap plan, but is no longer available to newly eligible enrollees.

Medigap Plan F highlights:

  • Virtually no out-of-pocket Medical expenses

  • No deductibles or copays for treatment within the US

  • The most complete plan

  • Use with any doctor that accepts Medicare

  • Covers Part B excess charges

  • Premium rates less stable than other Medigap plans

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Comparison of Popular Medigap Plans

Basic benefits*, including 100%

Part B coinsurance

Part A deductible

Part B deductible

100% Part B excess charges

$0 plan deductible

Plan F

$203 Part B deductible

$20 copayment for office visit; $50 copayment for ER

$203 Part B deductible

Not covered

(after deductible)

$203 Part B deductible

$2340 annual plan deductible

*Basic benefits: 

  • Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.

  • Medical Expenses: Part B coinsurance (generally 20% of Medicare-approved expenses) or copayments for hospital outpatient services. Plans K, L, and N require insureds to pay a portion of Part B coinsurance or copayments.

  • Blood: First 3 pints of blood each year.

  • Hospice: Part A coinsurance.

UntedHealhcare Medicare Solutions
Cigna Medicare Plans
Transamerica Premier Life Inurance Company
Mutual of Omaha Medicare Plans
Aetna Medicare Plans
United American Insurance Company

How Much Does Medigap

Plan F Cost?

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What Does Medigap

Plan F Cover?

Often called the "Cadillac Plan," Medicare Supplement Plan F is the most comprehensive Medigap plan. With Plan F you'll have virtually no out-of-pocket medical expenses. Regardless of insurance carrier, every Plan F offers identical coverage.

Plan F covers:

  • Medicare Part B deductible: $203 annual deductible in 2021.

  • Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.

  • Medical Expenses: plan pays Part B deductible and balance of Medicare-approved expenses after Original Medicare pays 80%. 

  • Blood: First 3 pints of blood each year.

  • Hospice: Part A coinsurance.

  • Skilled Nursing Facility Care: up to 100 days of skilled nursing facility care.

  • Part B Excess Charges: 100% of Part B excess charges.

  • Foreign Travel Medical Services: after a $250 deductible during the first 60 days, Plan F pays 80% of the remainder of charges up to a lifetime maximum of $50,000.

Printable Full Description of

Plan F Coverage

Should You Choose Medigap Plan F?

Medicare Supplement Plan F is the most complete Medigap plan. Adding Plan F coverage to Original Medicare will leave you with virtually no out-of-pocket medical expenses. Plan F is an appealing option for those looking for the security of knowing their health care needs are almost entirely covered by their plan and who can afford the higher Plan F premiums.

While Plan F offers impressive coverage, it's always worth considering whether Plan G might make more financial sense. The two plans offer the same coverage except Plan G does not cover Medicare Part B's $203 deductible. Plan G often makes more financial sense than Plan F, however, some clients enjoy knowing they will never have a medical bill with Plan F.

Finally, Plan F is no longer be available to newly eligible Medicare enrollees as of January 2020. As a result, those already enrolled in Plan F can expect to see their premiums increase more so than other plans, such as Plan G or Plan N. 

Medigap Plan F Topics