Medigap Plan F – Medicare Supplement
|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|
|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%|
2021 data – Table Source
Plan F’s Popularity
Medicare 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.
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.