Medigap Plan F – Medicare Supplement

Benefits
Medigap Plans
A B C D F G K L M N
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 $6,220 $3,110 N/A N/A

2021 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. However, Plan F is no longer available to new Medicare beneficiaries, unless they were eligible to enroll in Medicare prior to January 1, 2020.

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.

Benefits

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 $2,370 in 2021 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.