High Deductible Medigap Plan F

High Deductible Plan F is one of ten standardized Medicare Supplement plans (Medigap plans) that help seniors pay medical expenses such as deductibles, copayments, and coinsurance that Original Medicare does not cover.

Original Medicare consists of two parts:

  • Medicare Part A: hospital costs such as semi-private room, meals, supplies, and medications.
  • Medicare Part B: medical costs such as doctor’s office visits, clinical laboratory services, durable medical equipment, and emergency room care.

What Is Covered by High Deductible Medigap Plan F?

High Deductible Plan F covers all medical services approved by Original Medicare.

Those medical services include:

  • Medicare Part A coinsurance
  • Part A hospital costs up to 365 days after you use your Medicare benefits.
  • Medicare Part A deductible
  • Part A Hospice care
  • Medicare Part B coinsurance
  • Medicare Part B copayments
  • Medicare Part B deductible
  • Medicare Part B excess charges
  • First 3 pints of blood for transfusion
  • Coinsurance for skilled nursing facility care
  • Foreign travel emergencies (up to plan limits)

Some out-of-pocket expenses you are responsible for can be steep, such as your Medicare Part A deductible. The 20% Part B coinsurance from multiple doctor’s office visits can add up pretty quickly, too. Those sizable cost-share amounts are why many seniors seek additional benefits through Medicare Supplement insurance.

What Is Not Covered by High Deductible Medicare Supplement Plan F?

High-deductible Plan F does not cover the following services:

  • Acupuncture
  • Cosmetic procedures
  • Dental
  • Experimental procedures or drugs
  • Hearing aids or exams
  • Vision, including routine eye exams and eyeglasses

How Much Does High Deductible Medigap Plan F Cost?

Below are sample prices for a 65-year-old non-tobacco female living in Georgia:

Plan TypePremium Range
Plan F$142-$235
Plan G $123-$186
Plan N$86-$129
Premiums are based on Medicare Part B start date and or Medical underwriting.

How much you pay for your Medicare Supplement Plan G monthly premium with Mutual of Omaha depends on where you live and your personal health information.

Your actual Medicare Supplement Plan G monthly premium depends on where you live and your personal health information.

The primary benefits covered by Medigap High Deductible Plan F are the same regardless of which insurance company markets the Medigap policy. High Deductible Plan F rates, however, will vary between insurance carriers. The difference in Medigap High Deductible Plan F rates hinges on several demographic factors:

  • State
  • Zip code
  • Age
  • Gender
  • Health status
  • Household discounts

When Can I Enroll in High Deductible Plan F?

You can join a Medicare Supplement insurance plan any time after you turn 65 and are eligible for Medicare. However, your Medigap Open Enrollment Period is the best time to join. Your open enrollment period starts in the month you’re both age 65 and enrolled in Medicare Part B.

If you sign up during your open enrollment period, insurance companies cannot ask you health questions or require medical underwriting. However, if you enroll outside your open enrollment period, health insurance carriers can require medical underwriting for approval.

There are a few special enrollment periods where you can join High Deductible Plan F without submitting a health history or answering health questions. Some states have a birthday rule that allows you to change Medigap carriers without underwriting.

Those states are:

Every insurance company handles underwriting differently for each particular medical condition. If you have health conditions, speaking with one of our Medicare supplement specialists will benefit you. We can assist you in finding the best company, the best Medicare Supplement plan, and the best rate that meets your specific situation.

To keep your Medigap High Deductible Plan F in force, you must continue to pay your Medicare Part B premium.

What Companies Offer High Deductible Medicare Plan F?

At My Medigap Plans, we have connections to an extensive network of insurance companies offering High Deductible Plan F. Over time; our insurance agents have identified the following carriers as the best Medicare Supplement insurance companies to work with:

We feel that these three companies are the best ones for a variety of reasons:

  • Financially stable
  • Longevity in the health insurance field
  • Excellent ratings
  • Fast turnaround time
  • Excellent customer service

Next Steps

We specialize in guiding Medicare beneficiaries through their Medicare insurance options. We work with some of the nation’s top-rated Medigap carriers to ensure you get the best possible service. Review our Medicare Supplement Plans Comparison Chart and look deeper at the plans. Additionally, you call us today to learn more or request a quote online.

Article Resources:

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. In addition, his expertise is unmatched - having helped thousands of Medicare beneficiaries choose suitable healthcare plans for themselves - making him stand out above competitors.