Medicare Supplement Plan F

Plan F

Highlights

Medicare Supplement Plan F is the most comprehensive Medigap plan.

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

  • No longer available to newly eligible enrollees beginning January 1, 2020

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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

$198 Part B deductible

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

$198 Part B deductible

Not covered

(after 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.

How Much Does Medigap

Plan F Cost?

A Medicare Life Group agent may call or email as a result of completing the form to discuss Medicare Advantage, Prescription Drug, or Medicare Supplement Plans. By submitting this form you agree to our Terms of Service.

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: $198 annual deductible in 2020.

  • 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 $198 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 will no longer be available to newly eligible Medicare enrollees beginning in 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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All rights reserved. Licensed name varies by state: Montana Life Group, Troy Baccus,

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We are not connected with or endorsed by the United States government or the federal Medicare program. The trademarks and logos appearing on this page are owned by the respective companies named or depicted therein.

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