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Medicare Supplement Insurance: Plan F

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Medicare Supplement Plan F offers the most comprehensive basic benefits out of all Medicare Supplement (Medigap) policies. As a result of providing a complete benefits list, Medigap Plan F is often the most expensive plan option out of all other Medigap plans, yet it remains a popular choice among Medicare beneficiaries. Medigap Plan F leaves enrollees with minimal out-of-pocket expenses by covering the remainder of hospital and doctor costs after Original Medicare (Part A and Part B) has paid its portion.

 

Medicare Supplement (Medigap) Plan F Covered Benefits

The following is a list of costs and benefits covered by Medigap Plan F:

  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Preventative care Part B co-insurance
  • Part A hospital and co-insurance costs up to an additional 356 days after Medicare benefits are exhausted
  • Part B co-insurance or co-payment
  • First three pints of blood used in an approved medical procedure (annually)
  • Part A hospice care co-payment or co-insurance
  • Skilled Nursing Facility (SNF) co-insurance
  • Foreign travel emergency

 

Costs Associated with Medigap Plan F Coverage

There is an additional high deductible Medigap Plan F option that requires beneficiaries to pay out-of-pocket expenses for the first $2,340 in 2020 before the plan will begin paying for coverage. This plan is a cheaper alternative to the standard Medigap Plan F, since the beneficiary is responsible for higher out-of-pocket costs from the start.

 

Medigap Plan F is offered through most insurance companies, so you may want to shop around. Other plans may be available at lower cost but Plan F generally represents a great value for those facing increased copayments and deductibles because of regular medical attention.

What’s going on with Medicare Supplement Plan F?

As of January 1, 2020, people newly eligible for Medicare won’t be able to buy Medicare Supplement Plan F. As part of the Medicare Access and CHIP Re-authorization Act of 2015, you may not be able to buy a Medicare Supplement plan that may cover the Part B deductible if you become eligible for Medicare January 1, 2020 or later. This includes Medicare Supplement Plan C, Medicare Supplement Plan F, and the Medicare Supplement High Deductible Plan F. The standard Medicare Part B annual deductible is $198 in 2020.

If you bought a Medicare Supplement Plan F before January 2020, you can generally keep your coverage. Existing Medicare Supplement Plan F policies cannot be cancelled by an insurance company unless you fail to pay your premiums, you gave false information on your application, or the insurance company goes bankrupt.

 

You can compare Medicare Supplement plans anytime – just enter your zip code on this page. You can also speak with a licensed insurance agent by calling eHealth.

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