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Medicare Supplement

High Deductible Plan F

High Deductible Plan F

Highlights

High Deductible Plan F is not available to newly eligible Medicare enrollees.

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Medigap High Deductible Plan F 

highlights:

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  • 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

Plan G

$240 Part B deductible

Plan N

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

$240 Part B deductible

Not covered

Plan HDF

(after deductible)

$2483 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

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 2023, the deductible for High Deductible Plan F is $2,483. 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). 

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After reaching the $2,490 deductible, High Deductible Plan F covers:

  • Medicare Part B deductible: $226 annual deductible in 2023.

  • 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 $2,483 (in 2023) 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. 

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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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