Medicare Supplement

High Deductible Plan F

High Deductible Plan F

Highlights

Beginning in 2020, High Deductible Plan F is not available to newly eligible Medicare enrollees.

Medigap High Deductible Plan F 

highlights:

  • Identical to Plan F after deductible is met

  • The lowest premiums of all Medigap plans

  • Use with any doctor that accepts Medicare

  • Original Medicare continues to pay while you reach the plan deductible

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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

$198 Part B deductible

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

$198 Part B deductible

Not covered

Plan HDF

(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

High Deductible Plan F Cost?

What Does Medigap

High Deductible Plan F Cover?

High Deductible Plan F is identical to Medigap Plan F once the plan deductible is met. In 2020, the deductible for High Deductible Plan F is $2,340. After the deductible is met, High Deductible Plan F pays for virtually all Medicare-approved expenses. While meeting the plan deductible, Original Medicare continues to pay its share (generally 80% of medical expenses). 

After reaching the $2,340 deductible, High Deductible 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, the plan pays 80% of the remainder of charges up to a lifetime maximum of $50,000.

Printable Full Description of

High Deductible Plan F Coverage

Should You Choose Medigap High Deductible Plan F?

Medicare Supplement High Deductible Plan F is the least expensive Medigap plan with regard to monthly premiums. Once the plan's $2,340 (in 2020) deductible is met, the plan is identical to Plan F. This means there are virtually no out-of-pocket medical expenses after the deductible is met. High Deductible Plan F is an appealing option for those in good health, looking to save money on monthly plan premiums, but who have enough in savings to pay the plan deductible if necessary. 

For those in good health, High Deductible Plan F can offer substantial premium savings when compared to other Medigap plans, while protecting against major medical costs should their health unexpectedly deteriorate.

Medigap High Deductible

Plan F Topics

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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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