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 $5,120 in 2017 $2,560 in 2017 N/A N/A

Table Source

Plan F’s Popularity

Time to plan for medigap plan fMedicare Supplement Plan F is one of the most widely used policies currently available. This is largely due to the extensive coverage it offers. 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 plan they must also offer Plan F as well as Plan C.

What does Plan F offer?

Plan F offers Part A coinsurance, Part B coinsurance or copayment, Part A deductible, Part B deductible, and 100 percent of the Part B excess charges. Basic Medigap coverage includes coinsurance for hospital days 61 through 150, all coinsurance and co-payments for Part B after the deductible is met, and the cost of up to 365 additional hospital days after the initial hospital days covered by Part A have run out.


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

Plan F insurance

Plan F covers Medicare Part B excess charges, which result from the disparity 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, this means you must pay for Medicare-covered costs up to the deductible amount of $2,200 in 2017 before your Medigap plan pays anything. Plan F will 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 you.