Medicare Supplement Plan F

Medicare Supplement Plan F — also known as Medigap Plan F — helps pay Medicare out-of-pocket costs such as deductibles, coinsurance and copayments. It is no longer available to new enrollees in Original Medicare, but people who already have a Medicare Supplement Plan F can keep it.

Terry Turner, writer and researcher for RetireGuide
  • Written by
    Terry Turner

    Terry Turner

    Senior Financial Writer and Financial Wellness Facilitator

    Terry Turner has more than 30 years of journalism experience, including covering benefits, spending and congressional action on federal programs such as Social Security and Medicare. He is a Certified Financial Wellness Facilitator through the National Wellness Institute and the Foundation for Financial Wellness and a member of the Association for Financial Counseling & Planning Education (AFCPE®).

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  • Edited By
    Lee Williams
    Lee Williams, senior editor for RetireGuide.com

    Lee Williams

    Senior Financial Editor

    Lee Williams is a professional writer, editor and content strategist with 10 years of professional experience working for global and nationally recognized brands. He has contributed to Forbes, The Huffington Post, SUCCESS Magazine, AskMen.com, Electric Literature and The Wall Street Journal. His career also includes ghostwriting for Fortune 500 CEOs and published authors.

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    Shelly Coon
    Shelly Coon

    Shelly Coon

    Licensed Insurance Agent

    Shelly Coon is a specialist in Medicare insurance coverage with more than 20 years of experience in the insurance industry. She helps her clients learn about Medicare options and select the right plans for their needs.

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  • Published: June 30, 2021
  • Updated: September 19, 2022
  • 3 min read time
  • This page features 7 Cited Research Articles
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A licensed insurance professional reviewed this page for accuracy and compliance with the CMS Medicare Communications and Marketing Guidelines (MCMGs) and Medicare Advantage (MA/MAPD) and/or Medicare Prescription Drug Plans (PDP) carriers’ guidelines.

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APA Turner, T. (2022, September 19). Medicare Supplement Plan F. RetireGuide.com. Retrieved September 25, 2022, from https://www.retireguide.com/medicare/supplement-insurance/compare/medigap-plan-f/

MLA Turner, Terry. "Medicare Supplement Plan F." RetireGuide.com, 19 Sep 2022, https://www.retireguide.com/medicare/supplement-insurance/compare/medigap-plan-f/.

Chicago Turner, Terry. "Medicare Supplement Plan F." RetireGuide.com. Last modified September 19, 2022. https://www.retireguide.com/medicare/supplement-insurance/compare/medigap-plan-f/.

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What Is Medicare Supplement Plan F?

Medicare Supplement Plan F is a Medigap plan that helps pay Original Medicare out-of-pocket costs such as deductibles, coinsurance and copayments. Before it was phased out in 2020, it provided the most comprehensive supplemental benefits of any Medigap policy.

Original Medicare — Medicare Part A and Part B — does not cover all your hospitalization or medical services. You have to pay a portion of the expenses. Your share is called your “out-of-pocket costs.” Medicare Supplement Plan F and other Medigap policies help pay your costs.

Costs Covered by Medicare Supplement Plan F
  • Medicare Part A deductible — $1,556 for each benefit period in 2022
  • Medicare Part B deductible — $233 per year in 2022
  • Medicare Part A coinsurance and hospital costs up to an extra 365 days after Original Medicare benefits are used up
  • Medicare Part A hospice care coinsurance or copayment
  • Medicare Part B coinsurance — typically 20 percent of the Medicare-approved cost
  • Medicare Part B copayments — typically a fixed dollar amount set by the doctor or other health care provider
  • Part B excess charges — the amount a doctor or other health care provider can charge you over and above the Medicare-approved amount that a doctor can legally charge you for service
  • The first three pints of blood needed for medical procedures each year
  • Skilled nursing facility care coinsurance
  • 80 percent of medical costs for emergency medical care if you are traveling in a foreign country (up to your plan’s limits)
Source: U.S. Centers for Medicare & Medicaid Services

To purchase a Medicare Supplement Plan F, you first had to be enrolled in both Medicare Part A and Part B.

Learn more about Medigap Plan F substitutes from Anne Novak, who is licensed in Life and Annuities, Sickness, Accident and Health by the Nebraska Department of Insurance.

Medicare Supplement Plan F Costs

Medicare Supplement Plan F, just like all Medigap plans, is sold by private insurers. These companies can set their own prices for Medigap policies.

You pay a monthly premium for any Medicare Supplement policy. Monthly premium costs for Medicare Supplement Plan F vary based on several factors, including the state and county you live in, age, gender and sometimes tobacco usage.

Factors Affecting Medicare Supplement Plan F Premium Costs
  • Where you bought your plan
  • Where you live
  • Your gender
  • Whether or not you smoke

During the time they were being issued, Medicare Supplement Plan F had high-deductible versions that were also available in some states.

People who purchased these high-deductible options had to pay Original Medicare deductibles, coinsurance and copayments until they hit the amount of their deductible. This meant you had to pay $2,370 out of your own pocket in 2021 before your F coverage kicked in.

Can You Enroll in Medicare Supplement Plan F Insurance?

Medicare Supplement Plan F is no longer available to people newly eligible for Medicare. You had to be eligible to enroll in Medicare before January 1, 2020, to purchase a policy.

You may be able to apply for a Medicare supplement policy if you were eligible for Medicare before January 1, 2020, and if a company offers the plan. Insurance companies do not have to sell all Medigap policies.

People who had a Medicare Supplement Plan F prior to the phase out can generally keep their plan.

Did You Know?
Both Medigap Plan C and Plan F were phased out on the same day — January 1, 2020. The two plans were the only Medigap policies that covered the Medicare Part B deductible.
Source: U.S. Centers for Medicare & Medicaid Service

Medigap Plan G now provides the most comparable level of benefits to Medicare Supplement Plan F.

Medigap Plan G also offers a high-deductible version in some states. You have to pay $2,490 in out-of-pocket costs before Plan G pays anything in 2022.

Eight Medigap plans are currently available, but none cover your Medicare Part B deductible. You should compare all available Medicare Supplement plans in your area to determine the best one for your health and financial needs before purchasing one.

Last Modified: September 19, 2022

7 Cited Research Articles

  1. U.S. Centers for Medicare & Medicare Services. (2022, September). Medicare & You 2023. Download. Retrieved from https://www.medicare.gov/media/12116-Welcome-to-Medicare.pdf
  2. Bunis, D. (2022, May 11). Medigap Plans Help Bridge Gap of Original Medicare Costs. Retrieved from https://www.aarp.org/health/medicare-insurance/info-2017/choosing-right-medigap-plan.html
  3. U.S. Centers for Medicare & Medicare Services. (2022, March). Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare. Retrieved from https://www.medicare.gov/sites/default/files/2022-03/02110-medigap-guide-health-insurance.pdf
  4. U.S. Centers for Medicare & Medicaid Services. (2021, December 1). F, G & J Deductible Announcements. Retrieved from https://www.cms.gov/Medicare/Health-Plans/Medigap/FandJ
  5. U.S. Centers for Medicare & Medicare Services. (n.d.). How to Compare Medigap Policies. Retrieved from https://www.medicare.gov/supplements-other-insurance/how-to-compare-medigap-policies
  6. U.S. Centers for Medicare & Medicare Services. (n. d.). What’s Medicare Supplement Insurance (Medigap)? Retrieved from https://www.medicare.gov/supplements-other-insurance/whats-medicare-supplement-insurance-medigap
  7. U.S. Centers for Medicare & Medicare Services. (n. d.). Medicare Costs at a Glance. Retrieved from https://www.medicare.gov/your-medicare-costs/medicare-costs-at-a-glance