Medicare Supplement Plan F

Medicare Supplement Plan F offers the best coverage with out-of-pocket costs for your health insurance of the ten plans available.

However, Medicare Supplement Plan F enrollment is limited to those who became eligible for Medicare before Jan. 1, 2020.

Medicare Supplement Insurance Plan F Benefits

Medicare Plan F covers:

  • Medicare Part A coinsurance (what you owe after the Medicare program pays its share) and hospital costs (up to an additional 365 days after Medicare benefits pay)
  • Medicare Part B coinsurance or copayments
  • First three pints of blood if you are injured or sick
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible of $1,632 in 2024. This is what beneficiaries pay when admitted to the hospital.
  • Part B deductible ($240 in 2024)
  • Part B excess charge
  • Urgent and emergency inpatient care in the event of a foreign travel emergency (up to 80%)

Basic Medicare coverage includes:

  • Hospital costs
  • Outpatient care
  • Medical appointments
  • Preventative care and lab work
  • Skilled nursing facility care
  • Home health care
  • Emergency service

While the federal government covers most fees associated with these services, beneficiaries share some costs after Medicare pays its approved amount. Medigap plans, such as Plan F, decrease costs by covering various copays, deductibles, and coinsurance fees.

Medicare Supplement Plan F Cost

Monthly premiums vary from state to state and among zip codes in the same state for Plan F coverage.

For example, for a 65-year-old nonsmoking female, Plan F monthly deductibles average:

  • $159-$250 in the 77450 Houston zip code
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.

When Can I Enroll in a Medicare Supplement Plan F Plan?

First, you must sign up for Original Medicare, Parts A, and B. Then, you can enroll in Medicare Supplement Insurance Plan F.

The best time to buy a Medigap policy is during your six-month Medigap open enrollment period. This automatically starts the first month you have Medicare Part B and are 65 or older.

This timeframe is the only chance to purchase a Medigap policy regardless of preexisting health problems. But unfortunately, insurers cannot consider your health conditions when pricing out the procedure.

However, if you can buy a Medigap policy after the open enrollment period, it may cost more because of past or present health problems.

Sometimes you may qualify for a special enrollment period if:

  • You retire
  • Your insurance company goes out of business
  • You move to another zip code

Frequently Asked Questions:

Is Plan F Still Available After 2020?

Plan F is still available for those who purchased it when eligible for a Medigap policy. However, it is unavailable for beneficiaries who became Medicare eligible on Jan. 1, 2020, or later.

Who Qualifies for Plan F?

Those who became eligible for Medicare on or before Dec. 31, 2019, can purchase Medicare Supplement Insurance Plan F.

Does Medicare Plan F Have Provider Networks?

You can seek treatment from any doctor in the United States that accepts standard Medicare.
You won’t be required to get a referral for your doctor visits.
You’ll have the freedom of a no-provider network.
You can change doctors at anytime.
You have access to any hospital or healthcare facility that accepts standard Medicare.

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 so that you can be sure you’re getting the best possible service. Take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Additionally, you can give us a call today to learn more or request a quote online.

Article Resources:

Average quotes are for sample purposes only. Actual premiums are based on several factors, including health conditions, age, location, tobacco status, gender, and insurance provider.

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.