Learn about
Medicare Supplement Plan F
Medigap Plan F
Plan F was the most popular of the 10 standardized medicare supplement plans at one point. However, it has been phased out and is now only available to individuals who turned 65 (or became eligible for Medicare) prior to January 1st, 2020.
Medicare Supplement Plan F provides the least out-of-pocket expense to medicare beneficiaries when it comes to paying for services. However, it is also the most expensive when you compare premiums to benefits.
Quick Facts
- Among people with Medigap standardized plans, Plan F continues to have the highest number of enrollees, covering 39% of policyholders in 2022.1
- The percentage of market share for Plan F is declining as more and more people enroll in Medicare Supplement Plan G. Plan G makes ups 35% of all Medicare Supplement customers as of 2022.
| Standard Medicare Supplement Insurance benefits | Plan F |
|---|---|
| Medicare Part A co-insurance and hospital costs | ✓ |
| Medicare Part B co-insurance or co-payment | ✓ |
| First 3 pints of blood | ✓ |
| Part A hospice care co-insurance or co-payment | ✓ |
| Co-insurance for skilled nursing facility | ✓ |
| Medicare Part A deductible | ✓ |
| Medicare Part B deductible | ✓ |
| Medicare Part B excess charges | ✓ |
| Foreign travel emergency | ✓ |
Medicare covered services are covered completely on Plan F. Keep in mind that you still need to account for any out-of-pocket costs for dental or vision with a standalone plan.
Plan F vs. other Medigap plan options
Check out this side-by-side comparison of how Plan F stacks up against other medigap plans.
| Medicare Supplement Benefits | A | B | C | D | F1 | G | K2 | L3 | M | N4 |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A co-insurance and hospital costs | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B co-insurance or co-payment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| First 3 pints of blood | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A hospice care co-insurance or co-payment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Co-insurance for skilled nursing facility | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ||
| Medicare Part A deductible | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ | |
| MedicarePart B deductible | ✓ | ✓ | ||||||||
| Medicare Part B excess charges | ✓ | ✓ | ||||||||
| Foreign travel emergency | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| 1. Plan F offers a high-deductible plan. This plan requires you to pay a $2,870 deductible in 2025 before it covers anything. 2. Plan K has an out-of-pocket yearly limit of $7,220 in 2025. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year. 3. Plan L has an out-of-pocket yearly limit of $3,610 in 2025. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year. 4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission. |
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