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
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APA Turner, T. (2022, April 21). Medicare Supplement Plan F. RetireGuide.com. Retrieved May 23, 2022, from https://www.retireguide.com/medicare/supplement-insurance/compare/medigap-plan-f/

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Chicago Turner, Terry. "Medicare Supplement Plan F." RetireGuide.com. Last modified April 21, 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: April 21, 2022

7 Cited Research Articles

  1. U.S. Centers for Medicare & Medicare Services. (2020). Medicare & You 2021. Download. Retrieved from https://www.medicare.gov/sites/default/files/2020-12/10050-Medicare-and-You_0.pdf
  2. Bunis, D. (2020, July 6). 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. (2020, February). Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare. Retrieved from https://www.medicare.gov/Pubs/pdf/02110-medicare-medigap-guide.pdf
  4. 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
  5. 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
  6. 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
  7. U.S. Centers for Medicare & Medicaid Services. (2021). F, G & J Deductible Announcements. Retrieved from https://www.cms.gov/Medicare/Health-Plans/Medigap/FandJ