Medicare Supplement Plan F, explained.
Plan F is the most complete Medigap plan ever offered — it covers 100% of the gaps in Original Medicare, leaving you $0 out of pocket beyond your premium. But it’s closed to new enrollees: only those eligible for Medicare before 2020 can buy it. May River Medicare compares every plan against your budget, at no cost.
Not the same as Medicare Part F (there is no Part F) — this is a private supplement plan. All figures reflect 2026 amounts.
Plan F is closed to new enrollees. Because of a 2015 federal law (MACRA), Plan F can’t be sold to anyone who became eligible for Medicare on or after January 1, 2020. If you were eligible before that date, you can still buy it today — even if you never had it before. And if you already have Plan F, you keep it for life.
Three things to know about Plan F
$0 out of pocket
Plan F covers 100% of Medicare-approved cost-sharing — both deductibles, all coinsurance, and even excess charges. Beyond your premium, you pay nothing.
Pre-2020 eligibility only
Only people who became Medicare-eligible before January 1, 2020 can buy Plan F. If that’s you, it may still be worth comparing.
A high-deductible option exists
High-Deductible Plan F offers the same full coverage after a $2,950 (2026) deductible, in exchange for a much lower premium.
Exactly what Plan A does and doesn’t cover
What Plan F covers (everything)
- Part A hospital deductible ($1,736 in 2026)
- Part B deductible ($283 in 2026)
- Part B excess charges — the fullest coverage of any plan
- Part A hospital coinsurance — plus 365 extra days after Medicare benefits end
- Part B coinsurance or copayment (the 20% Original Medicare leaves you)
- Skilled nursing facility coinsurance
- First 3 pints of blood + Part A hospice coinsurance
- Foreign travel emergency care (80% after deductible, up to plan limits)
What Plan F does not cover
- Prescription drugs (pair with a separate Part D plan)
- Routine dental, vision, or hearing
- Long-term custodial care
- Nothing else — Plan F covers all Medicare-approved cost-sharing
Plan F leaves you with truly zero out-of-pocket for covered services — but that completeness comes at a higher premium, and because the plan is closed, its pool ages and rates can climb faster over time. Plan G covers everything Plan F does except the $283 Part B deductible. If Plan G’s yearly premium is more than $283 cheaper than Plan F, Plan G usually wins on math. We’ll run that comparison for you.
Who Plan F tends to fit
Wants total predictability
If you’re eligible and value never seeing a bill for a covered service — no deductibles, no math — Plan F delivers true first-dollar coverage.
But compare the premium math
Plan G covers nearly the same for a lower premium. We’ll show you whether Plan F’s extra cost is worth it in your specific area.
No Medigap plan includes prescription coverage — you’ll pair Plan A with a separate Part D plan. And your best enrollment window is the 6-month Medigap Open Enrollment Period (starting when you’re 65 and on Part B), when carriers can’t deny you or charge more for health conditions.
Eligible for Plan F? Let’s check the math.
We’ll put Plan F side by side with Plan G using real rates from 30+ A-rated carriers, so you can see whether Plan F’s complete coverage is worth the premium — or whether Plan G saves you money for nearly identical protection. Free, no pressure, no carrier bias.
May River Medicare Insurance is an independent agency and is not affiliated with or endorsed by the U.S. government, the federal Medicare program, or CMS. Medigap benefits are federally standardized; premiums vary by carrier, age, location, and tobacco use. Figures reflect 2026 amounts published by CMS and independent sources. For a complete list of your options, contact Medicare.gov or 1-800-MEDICARE.