May River Medicare Insurance compares every carrier and helps you get the best value—no bias, no sales pressure, always free.
- 100% of Medicare Part A hospital coinsurance & all costs after deductible
- 100% of Medicare Part B coinsurance/copayments
- 100% of Part B deductible
- 100% of skilled nursing facility coinsurance
- 100% of hospice copayments
- First 3 pints of blood each year
- 80% of approved foreign travel emergency care
- With Plan F, you pay nothing for covered Medicare services.
- Monthly premium based on age, ZIP code, tobacco use, and carrier
- No copays, no coinsurance, no deductibles, no network restrictions
- See any doctor or hospital nationwide who accepts Medicare
- Rates may increase annually—our advisors shop all carriers for you
- Plan F: Pays every Medicare gap—including Part B deductible (only for those eligible before 2020)
- Plan G: Pays everything except the Part B deductible
- Plan N: Lower premiums, small copays, does not cover Part B excess charges
- If you were eligible for Medicare before January 1, 2020, and want zero out-of-pocket medical bills
- Travelers and snowbirds needing nationwide access to providers
- Those who prefer no surprise costs for Medicare-covered services
- Instant Plan F rate comparison from every carrier in your ZIP code
- Simple online or phone enrollment—free, no sales calls
- Year-round help with billing, renewals, and rate increases
- Expert, unbiased advice on all your Medigap options
No—only those eligible for Medicare before January 1, 2020 can enroll in Plan F.
No, you need a separate Part D plan for drug coverage.
Yes, but switching may involve medical underwriting. We’ll explain your options.
Yes, coverage is identical by law—but premiums vary. We compare every carrier for you.
Yes—for covered Medicare services, you pay nothing out of pocket.
Call (843) 227-6725 or book your free Medigap consultation now.
Medigap Plan F Offers Great Benefits
Medigap Plan F Benefits
Medigap Plan F is the most comprehensive Medicare Supplement plan. Also referred to as Medicare Supplement Plan F, it covers Medicare deductibles, copays, and coinsurance, leaving you with nothing out-of-pocket for Medicare-approved services.
Plan F was the top seller among Medicare beneficiaries for many years. According to a 2016 report from America’s Health Insurance Plans (AHIP), about 57% of all Medigap policies in force were Plan F policies. However, Plan F is now only available to those who became eligible for Medicare before January 1, 2020. Anyone who became eligible on or after January 1, 2020, is not eligible to sign up for Plan F.
In this case, you’ll find that Plan G is the most comprehensive Medigap plan available. Plan G has become one of the most popular Medigap plans in recent years.
The chart below shows basic information about the different benefits Medigap policies cover.
✔ = the plan covers 100% of this benefit
X = the plan doesn’t cover this benefit
% = the plan covers that percentage of this benefit and you’re responsible for the rest
N/A = not applicable
The Medigap policy will only pay your coinsurance after you’ve paid the deductible (unless the Medigap policy also covers your deductible).
Medicare Plan F policies are considered first-dollar coverage. After Medicare pays its share of your claims, Medigap Plan F pays the remainder, leaving you with $0 out of pocket.
- Plan F covers both your Part A hospital and your Part B outpatient deductible.
- It covers all of the 20% that Medicare Part B normally leaves you to pay.
- Medicare Plan F covers all Part B excess charges. You will never pay the standard 15% excess charges that doctors under Medicare are allowed to charge for Part B services.
- Choose and doctor in the United States that accepts Medicare insurance.
- No referrals are required! Medigap plans allow you to see any Medicare specialist whenever you like without a referral from your primary care doctor. However, some offices still may require a referral.
- You have guaranteed renewable coverage. Your policy cannot be canceled due to health conditions or the number of claims you file.
For example, if you have no Supplement, you would owe a $1,632 deductible (Part A deductible in 2024) when you go to the hospital. You would also pay 20% for expensive procedures like surgery because Part B only pays 80%.
If you had a Medigap F policy, though, all of these would be paid for by your insurance.
You might be surprised to learn that many solid insurance companies with good financial ratings offer rates lower than the big brand-name carriers.
Medigap Plan F is the most comprehensive Medicare Supplement plan. Also referred to as Medicare Supplement Plan F, it covers Medicare deductibles, copays, and coinsurance, leaving you with nothing out-of-pocket for Medicare-approved services.
Plan F was the top seller among Medicare beneficiaries for many years. According to a 2016 report from America’s Health Insurance Plans (AHIP), about 57% of all Medigap policies in force were Plan F policies. However, Plan F is now only available to those who became eligible for Medicare before January 1, 2020. Anyone who became eligible on or after January 1, 2020, is not eligible to sign up for Plan F.
In this case, you’ll find that Plan G is the most comprehensive Medigap plan available. Plan G has become one of the most popular Medigap plans in recent years.
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May River Medicare beneficiaries are served in 43 states. Unlike other agents and brokers, we provide lifelong support for your policy and deliver exceptional customer service.
