Medigap Plan F – Medicare Supplement

Medigap Plans
Part A Hospital Coinsurance Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
365 Hospital Reserve Days Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B coinsurance Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Benefit for Blood Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Hospice coinsurance Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled Nursing Facility No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess No No No No Yes Yes No No No No
Foreign Travel Benefit No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit N/A N/A N/A N/A N/A N/A $5,560 $2,780 N/A N/A

2019 data – Table Source

Plan F’s Popularity

Time to plan for medigap plan fMedicare supplement Plan F is a more comprehensive plan than the others as far as benefits for the enrollee.  Each insurance carrier decides which Medigap policies it wants to sell, although state laws might affect which ones they offer.  If an insurance carrier offers any Medigap Plan they must also offer Plan F as well as Plan C.

What does Plan F offer?

Plan F offers Medicare Part A coinsurance and deductible, Medicare Part B coinsurance or co-payment and deductible and 100% of the Part B excess charges. Medigap Plan F coverage includes the cost of up to 365 additional hospital days after the initial hospital days covered by Medicare Part A have run out.


Plan F covers benefits like coinsurance for hospice services, skilled nursing facility treatment coinsurance, and foreign travel emergency insurance.

Plan F insurance

Plan F covers Medicare Part B excess charges, which result from the difference between what a physician charges for services and what Medicare will compensate the physician for those services. The doctor can charge you up to 15% of the amount not covered by Medicare, but Plan F will cover this difference. You can also enroll in a Plan F policy with a high deductible. If you choose this option, it means you must pay for Medicare-covered costs up to the deductible amount of $2,300 in 2019 before your Medigap plan pays anything. Plan F may shelter you from higher payments that you must pay yourself if you need health services that are more expensive than what Medicare will pay.

What doesn’t Plan F cover?

Plan F does not cover Preventive Care or At Home Recovery Care. You can call our licensed sales agents for more information and help finding the right plan for your needs.