Medicare Supplement Plan F Insurance (Medigap Plan F)
Original Medicare coverage only covers about 80% all of your healthcare needs. Medicare Supplement Plan F is one of several Medigap plan options that help to fill the gaps in Medicare coverage (that 20% not covered). Plan F is the most popular Medicare Supplement plan choice with our clients.
What does Medicare Supplement Plan F Cover?
Medicare Plan F is the only plan that covers all the gaps in Original Medicare. This plan has the most coverage and the lowest out-of-pocket costs for Medicare-covered services.
Medicare Plan F vs. The Other Plans
To see how Medicare Plan F fits your needs, it helps to do a side-by-side comparison with the other plan options. The Medicare Supplement Plan Comparison chart shows the benefits covered and not covered under each letter. By doing a Medicare Plan F comparison, you will notice that Plan G is the most similar in terms of the level of coverage available. The only difference is: Plan G does not cover part B deductible while Plan F covers at 100%.
Medicare Supplement Insurance (Medigap) Plan F
|Medicare Part A coinsurance and hospital cost (up to an additional 365 days after Medicare benefits are used)|
|Medicare Part B coinsurance or copayment|
|Blood (first 3 pints)|
|Part A hospice care coinsurance or copayment|
|Skilled nursing facility care coinsurance|
|Part A deductible|
|Part B deductible|
|Part B excess charges|
|Foreign travel emergency (up to plan limits)||80%|
- Plan F: In general Plan, F covers 100% of covered Medicare services. However, Plan F is also offered as a high-deductible plan by some insurance companies in some states. If you choose this option, this means you must pay for Medicare-covered costs (coinsurance, copayments, deductibles) up to the deductible amount of $2,300 in 2019 before your policy pays anything.
URGENT: On January 1, 2020, Medicare Plan F will no longer be SOLD. Those who purchase a Medicare Plan F before this date will be able to keep it.
Finding Medicare Supplement insurance Plan F
Basic Medigap benefits are standardized across each letter category. So, Plan F benefits are exactly the same as any other Plan F, no matter which insurance company you purchase the policy from. Cost and availability will vary by insurance company and location.
Above all, our advisors make it easy for you to navigate and choose the right insurance plan for your healthcare needs. Personalized assistance offered in person or over the phone, online or in office. Call us today at 1-800-784-8969 for the most up to date plan information in your area.