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Medicare Supplement Plan F

Medigap Plan F

Plan F is, by far the most popular of the 10 standardized medicare supplement plans.

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.

Beginning in the year 2020, Medigap Plan F will only be available to medicare beneficiaries who became eligible for Medicare before January 1, 2020.

Quick Facts
  • Among people with Medigap standardized plans, Plan F continues to have the highest number of enrollees, covering 57 percent of policyholders in 20151
  • Between December 2014 and December 2015, enrollment in Medigap increased to 11.8 million, up from approximately 11.2 million in December 2014.1
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 $2,300 deductible in 2019 before it covers anything.
2. Plan K has an out-of-pocket yearly limit of $5,560 in 2019. 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 $2,780 in 2019. 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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