Medicare Supplement Plan F | Medigap F


Medicare Supplement Plan F | Medigap Plan F | Insurance Coverage and Details

Find Medicare Supplement Plan F Rates, Quotes, and see the Medigap Plan F Benefits Chart


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Medicare Supplement Plan F

Medicare Supplement Plan F was one of the most popular of the Medicare Supplement Plans available. People who purchase a Medicare Supplement, also known as Medigap, would have likely purchased the Plan F. With regulation changes, people should move to Plan G.  Only people who were eligible for Medicare before 2020 can purchase Medicare Supplement Plan F.

Medigap Plan F coverage is the most comprehensive supplemental insurance policy. It covers gaps that’s left by Medicare. Medicare Supplement Plan F is hassle free. People purchase Plan F so they don’t have to worry about claims or filing paperwork. The policy essentially pays for everything, including co-pays, coinsurance, and deductibles.

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A great feature Medigap Plan F offers is that it allows you to choose any doctor, hospital, or provider who accepts Medicare within the United States. You don’t have to worry about networks, such as an “HMO” or “PPO”.

Another reason seniors buy Medicare Supplement Plan F is because it provides standardized comprehensive coverage. Having standardized Medigap Plan F allows seniors multiple Medicare Supplement Insurance Companies. Since supplemental insurance is standardized, comparing prices helps keep insurance cost down.

Although Medicare Plan F provides the most comprehensive insurance coverage, it can also be the most expensive. If you’re on a fixed income or don’t want to risk an unforeseen health claim, Medicare Supplement Plan F was the “best” coverage for you.

If you’re looking for the “best price” and coverage for your money, you may consider looking into Medicare Supplement Plan G. Although it may be offered at a lower price, comparing benefits is wise. Compare Medicare Plan F and Medigap Plan G coverage and you will see similarities and differences.

Look at the Medicare Supplement Plan F Benefits and Coverage charge below to see what insurance “gaps” this policy covers. Or review the “2020 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare” handbook.

Compare Medigap Plan F policies because each insurance company may charge different prices for the same exact “F” Plan. If you want to shop Medicare Supplement Plan F, make sure you’re comparing the same exact policy. Our online insurance exchange only has Medicare Plan F quotes.

—Plan F also offers a high-deductible plan in some states. This plan requires you to reach a large deductible amount before the policy pays anything.

Medigap Plan F
Medicare (Part A) – Hospital Services – Per Benefit Period
*A benefit period begins on the first day you receive services as an inpatient in a hospital and ends after you have been out of the hospital and haven’t received skilled care in any other facility for 60 days in a row.
Semiprivate room and board, general
nursing and miscellaneous services and supplies.
Services Medicare Pays Plan F Pays You Pay
First 60 Days All but $1484 $1484
Part A Deductible
61st thru 90th Day All but $371  a Day $371 a Day $0
91st Day and After
-While Using 60 Lifetime Reserve Days
All but $742 a Day $742 a Day $0
-Once Lifetime Reserve Days are Used:
Additional 365 Days:
$0 100% of Medicare Eligible Expenses $0**
-Beyond the 365 Days $0 $0 All costs
Skilled Nursing Facility Care*
You must meet Medicare’s requirements, including been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital
Services Medicare Pays Plan F Pays You Pay
First 20 Days All Approved Amounts $0 $0
21st thru 100th Day All but $185.50 a Day Up to $185.50 a Day $0
101st Day and After $0 $0 All costs
Services Medicare Pays Plan F Pays You Pay
Additional Amounts 100% $0 $0
Hospice Care:
Services Medicare Pays Plan F Pays You Pay
You must meet the Medicare requirements, including a doctors certification for illness. All but a very limited copay/coinsurance for outpatient drugs and inpatient respite care. Medicare copay/coinsurance $0
** Notice: When your Medicare Part A hospital benefits of coverage are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to 365 days as provided in the Medigap policy’s “Core Benefits.” During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.

Speak with a Medicare Supplement Plan F Licensed Medigap Insurance Specialist:



Supplemental Plan F | Medicare Part B
Medicare (Part B) – Medical Services – Per Calendar Year
*Once you’ve been billed $203 of Medicare-approved amounts for covered services (noted by asterisk), your Medicare Part B deductible will have been met for the calendar year.
Medical Expenses –
In or Out of the Hospital and Outpatient Hospital Treatment, such as physician’s services, inpatient and outpatient medical and surgical services and supplies, physical therapy, speech therapy, diagnostic test, durable medical equipment
Services Medicare Pays Plan Pays You Pay
First $203 of Medicare-Approved amounts* $0 $203
Part B Deductible
Remainder of Medicare-Approved
Generally 80% Coinsurance Generally 20% Coinsurance $0
Part B Excess Charges:
Services Medicare Pays Plan Pays You Pay
Above Medicare-Approved Amounts $0 100% $0
Blood | Part B
Services Medicare Pays Plan Pays You Pay
First 3 Pints $0 All Costs $0
Next $203 of Medicare-Approved
$0 [$203]
Part B Deductible
Remainder of Medicare-Approved
80% Coinsurance 20% Coinsurance $0
Clinical Laboratory Services
Services Medicare Pays Plan Pays You Pay
Tests for Diagnostic Services 100% $0 $0
Medigap Plan F | Parts A & B
Home Health Care –
Approved Services,
Services Medicare Pays Plan Pays You Pay
Medically necessary skilled
care services and medical supplies
100% $0 $0
Durable Medical Equipment
-First $203 of Medicare Approved
$0 [$203]
Part B Deductible
Remainder of Medicare
Approved Amounts
80% Coinsurance 20% Coinsurance $0

Plan F | Other Benefits Not Covered by Medicare
Foreign Travel –
Not Covered By Medicare: Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA
Services Medicare Pays Plan Pays You Pay
First $250 Each
Calendar Year
$0 $0 $250
Remainder of Charges $0 80% Coinsurance to a lifetime
maximum benefit of $50,000
20% and amounts over the $50,000
lifetime maximum

Click to learn more about the benefits of Plan F Medicare Supplement Insurance.


Talk to a Medicare Supplement Plan F about receiving the best rates. Get Medigap Coverage by comparing supplemental F quotes online. (402) 805-4626