Comparing plans
Medicare Supplement Insurance Plan F
by Christian Worstell | Published September 21, 2023 | Reviewed by John Krahnert
There are four parts of Medicare: Part A and Part B (Original Medicare), Part C (Medicare Advantage) and Part D (Prescription Drug Coverage).
There are 10 standardized Medigap plans that help cover some of Original Medicare's out-of-pocket costs. The most popular of these Medigap plans is Plan F.
Important: Plan F is not available to beneficiaries who became eligible for Medicare on or after January 1, 2020.
Why Choose Plan F?
The reason Medigap Plan F is likely so popular is because of the comprehensive coverage it provides.1 In fact, Medigap Plan F is the only Medigap policy that provides coverage for all nine basic benefit areas:
- Medicare Part A coinsurance and hospital costs
- Medicare Part B coinsurance or co-payment
- First three pints of blood
- Medicare 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% of foreign travel emergency care
Refer to the chart below to see how Medigap Plan F compares to the other nine standardized plans.
Scroll to the right to continue reading the chart
Medicare Supplement Benefits
Part A coinsurance and hospital coverage
Part B coinsurance or copayment
Part A hospice care coinsurance or copayment
First 3 pints of blood
Skilled nursing facility coinsurance
Part A deductible
Part B deductible
Part B excess charges
Foreign travel emergency
| Medicare Supplement Benefits | A | B | C* | D | F1* | G1 | K2 | L3 | M | N4 |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital coverage | ||||||||||
| Part B coinsurance or copayment | 50% | 75% | ||||||||
| Part A hospice care coinsurance or copayment | 50% | 75% | ||||||||
| First 3 pints of blood | 50% | 75% | ||||||||
| Skilled nursing facility coinsurance | 50% | 75% | ||||||||
| Part A deductible | 50% | 75% | 50% | |||||||
| Part B deductible | ||||||||||
| Part B excess charges | ||||||||||
| Foreign travel emergency | 80% | 80% | 80% | 80% | 80% | 80% |
* Plan F and Plan C are not available to Medicare beneficiaries who became eligible for Medicare on or after January 1, 2020. If you became eligible for Medicare before 2020, you may still be able to enroll in Plan F or Plan C as long as they are available in your area.
+ Read moreMonthly Premium
Medicare Supplement Insurance Plan F tends to be more expensive than other Medigap plans because of the comprehensive coverage it provides to Medicare beneficiaries. Therefore, you should consider which benefits you expect you’ll need, and whether that coverage is worth the premium.
A Medigap plan that works for one person may not work for the next. A licensed agent can help explore your options and match you with a Medigap plan that meets your unique needs and budget.
Similar Plans
Medigap Plan F isn't your only option, even when you are looking for Medigap plans with comprehensive coverage.
- High-deductible Medigap Plan F provides the same basic benefits as regular Plan F, but requires you to meet a $2,490 deductible (in 2022) before Medigap plan will pay anything.
- Medigap Plan G provides the same basic benefits as Medigap Plan F except that it does not cover the Medicare Part B deductible.
- Medigap Plan D provides the same basic benefits as Medigap Plan F except it does not cover the Medicare Part B deductible and Medicare Part B excess charges.
Learn More
Speak with a licensed agent today at {{TFN-link}} or read through some of our other guides to learn more.
1 https://www.medicare.gov/supplement-other-insurance/compare-medigap/compare-medigap.html
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