Home > Coverage > High-Deductible Medigap Plan F

High-Deductible Medigap Plan F

Christian Worstell by Christian Worstell    |    Published Oct 03, 2019    |    Reviewed by John Krahnert

High deductible Plan F provides the same level of coverage as the standard Plan F with potentially lower monthly premiums. The tradeoff for these lower monthly premiums is a high deductible.

In 2019, the standardized deductible amount for high-deductible Plan F is $2,300 for the year. Once you’ve paid that amount, your Plan F coverage will kick in.

What Does High Deductible Plan F Cover?

In terms of benefits, the high deductible Plan F option offers the exact same coverage as the standard Plan F version once you meet the deductible.

High-deductible Medigap Plan F provides coverage for:

  • Medicare Part A coinsurance and hospital costs
  • Medicare Part B coinsurance or copayment
  • First three pints of blood
  • Part A hospice care coinsurance or copayment
  • Coinsurance for skilled nursing facility
  • Medicare Part A deductible
  • Medicare Part B deductible
  • Medicare Part B excess charges
  • 80 percent of foreign travel emergency costs

Refer to the chart below to see how the basic benefits of Medigap Plan F compare to those of other Medigap plans.

2019 Medigap plans comparison chart

How Do High-Deductible Plans Affect Cost?

High-deductible Plan F may be more affordable than the standard Plan F but you may face higher out-of-pocket costs.

  • In 2019, the average premium for high-deductible Plan F was $57.16 per month.
  • In 2019, the average premium for standard Plan F was $169.14 per month.1

If you are interested in enrolling in a high-deductible Medigap Plan F, you should consider a few things. You must pay for Medicare-covered costs up to $2,300 in 2019 before your plan coverage will kick in. 

For example, if you need a blood transfusion, a traditional Medigap plan will cover the cost of the first three pints, and Medicare will cover the cost of pints four and beyond.

But if you are enrolled in the high-deductible Medigap Plan F and have not met the yearly $2,300 deductible, you will be responsible for the full cost of the three pints of blood.

Once you meet your deductible, your Medigap insurance company will begin paying the benefits offered in the plan.

Before you choose the high-deductible Plan F, you should consider how likely you are to use enough medical services to meet the yearly deductible. Then evaluate how much coverage you would need after the deductible is met.

If you become eligible for Medicare after January 1, 2020, you will not be able to enroll in the high-deductible Plan F. You may want to consider high-deductible Plan G instead.

What Other Medigap Plan Options Do I Have?

You have more options that just high-deductible Plan F.

A Medigap plan comparison can help you find a comprehensive plan at a budget-friendly price. Get started right now by calling to speak with a licensed insurance agent.


Compare Medigap plans in your area.

Find a plan

Or call --ms-tfn-- to speak with a licensed insurance agent.


1 TZ Insurance Solutions LLC internal sales data, 2019. This data is based on the Medicare Supplement Insurance policies TZ Insurance Solutions LLC has sold. It is not a comprehensive national average of all available Medicare Supplement Insurance plan premiums.

Resource Center

What Is Medigap? | Medicare Supplement Insurance Definition

Medicare Supplement Insurance (Medigap) is private insurance that can help cover some of the costs that Original Medicare does not. Compare Medigap plans.

Read More

How Medicare Supplement Insurance Can Help You Save

Medicare Supplement Insurance (Medigap) plans offer basic benefits that cover certain out-of-pocket health insurance costs. Learn more and find the best plan.

Read More

Medicare Supplement Insurance Plan Options

Medicare Supplement Insurance (Medigap) can help pay for some of Medicare's out-of-pocket costs, including deductibles, copayments and coinsurance.

Read More

Is Humira Covered By Medicare?

Original Medicare does not cover prescription medication, including Humira. Learn how a Part D plan can help.

Read More

Medicare Supplement Insurance Plans | Medigap

A Medicare Supplement Insurance plan, also called Medigap, can help cover some of the costs Original Medicare doesn't, such as copays and deductibles.

Read More

Medicare Supplement Insurance Plan G

Learn about Medicare Supplement Insurance Plan G benefits and how they compare to other Medigap plans.

Read More

Medigap Plans Supplement Original Medicare Benefits

Medicare Supplement Insurance (Medigap) and Medicare Advantage serve two different purposes. Learn the differences in this guide.

Read More

Understanding Medicare Supplement Insurance

If you are enrolled in Original Medicare, a Medicare Supplement Insurance (Medigap) plan could save you money. Learn how.

Read More

Comparing Medicare Supplement Insurance Plans and Costs

Medicare Supplement Insurance plan costs will vary based on provider, location and your age. Learn more and compare free Medigap plan quotes.

Read More

Every 13 minutes, we help someone enroll in a plan.

Sign up for more information!

Enter your email address and get a free guide to Medicare and Medicare Supplement Insurance.

Sign Up Now