Brad Gunning
Is Plan G the Best Medicare Supplement Plan?
For years, the "Cadillac" Medicare Supplement plan has been Plan F. It's the most comprehensive plan, completely filling the Medicare...
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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:
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Virtually no out-of-pocket Medical expenses
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No deductibles or copays for treatment within the US
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The most complete plan
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Use with any doctor that accepts Medicare
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Covers Part B excess charges
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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
*Basic benefits:
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Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
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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.
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Blood: First 3 pints of blood each year.
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Hospice: Part A coinsurance.
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:
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Medicare Part B deductible: $226 annual deductible (in 2023).
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Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
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Medical Expenses: plan pays Part B deductible and balance of Medicare-approved expenses after Original Medicare pays 80%.
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Blood: First 3 pints of blood each year.
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Hospice: Part A coinsurance.
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Skilled Nursing Facility Care: up to 100 days of skilled nursing facility care.
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Part B Excess Charges: 100% of Part B excess charges.
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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 $226 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
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