Comprehensive Coverage With Fewer Out-of-Pocket Costs

Medicare Supplement Plan F, also known as Medigap Plan F, offers the most comprehensive coverage available among Medicare Supplement plans. It helps pay many of the out-of-pocket expenses that Original Medicare does not cover, giving you greater financial protection and more predictable healthcare costs.

Plan F is available only to individuals who became eligible for Medicare before January 1, 2020. If you became eligible on or after that date, federal law no longer allows new enrollment in Plan F. In that case, Medicare Supplement Plan G is often the closest alternative because it provides nearly the same level of coverage.

What Does Medicare Supplement Plan F Cover?

Original Medicare includes Part A for hospital services and Part B for outpatient and medical services. Although Original Medicare pays a significant portion of your healthcare expenses, you are still responsible for deductibles, copayments, and coinsurance.

Medicare Supplement Plan F helps pay many of those remaining costs, including:

• Medicare Part A deductible

• Medicare Part A coinsurance and hospital costs

• Medicare Part B coinsurance or copayments

• Medicare Part B excess charges

• Skilled nursing facility coinsurance

• Hospice care coinsurance or copayments

• The first three pints of blood each year

• Foreign travel emergency coverage, subject to plan limits

As long as Medicare approves the service, Plan F helps cover nearly all eligible out-of-pocket costs, making it one of the most complete Medicare Supplement options available.