Medicare Plan F

Medicare Plan F

Medicare Supplement Plan F is the most comprehensive Medicare Supplement plan as it covers all gaps in Medicare. 

Plan F was phased out to beneficiaries who became eligible for Medicare on or after January 1, 2020.

The monthly premium for Plan F will depend on where you live, your age, gender, and tobacco use.


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.


What does Medicare Plan F cover though?

A Medigap plan, or Medicare Supplement, pays after Medicare to help cover your deductibles, copays, and coinsurance that you would otherwise be responsible for paying. Medigap plans do not replace your Medicare Part B. You must have Medicare Part A and Part B first; then, you can enroll in a Plan F policy.

When you add Plan F or Plan G to your Original Medicare benefits, your coverage will be pretty comprehensive. By definition, Medigap Plan F is the Medicare Supplement policy with the most benefits.

(Sometimes people refer to Plan F as Medicare Part F or Medigap Part F, but the correct terminology is Plan F. Remember: only Medicare has Parts.)


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 Supplement Plan F Coverage is Comprehensive

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.


Medicare Plan F Pays your Deductibles AND Co-insurance

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.


Key Takeaways

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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