High Deductible Plan F

As of January 1, 2020 High Deductible Medigap Plan F (otherwise known as High Deductible Supplement Plan F) will no longer be available to people who are newly eligible for Medicare on or after January 1, 2020. The reason for this change is because Medicare will no longer be allowed to cover the Medicare Part B deductible, which this particular Medigap Plan covered. If you already had this plan prior to January 1, 2020, you are able to keep the plan.

High Deductible Plan F contains all of the benefits of regular Supplement Plan F, except that before you can access those benefits, you have to meet a deductible of $2,340. So if you are enrolled in this High Deductible Plan F, when you incur medical expenses, Original Medicare first pays its share (about 80%), then you pay your share- up to the deductible amount. Once you spend $2,340 in out-of-pocket medical expenses, then regular Plan F will kick in. Regular Supplement Plan F will cover the remaining gaps in Original Medicare. So a High Deductible Supplement Plan F could work for someone who wants a lower monthly premium cost (which this plan has), but is willing to take the risk of a possible out-of-pocket spend of $2,340 per year.

What is covered under High Deductible Plan F

High Deductible Plan F covers the following expenses once a deductible of $2,340 is met:

  • Medicare Part A coinsurance and hospital costs (Up to an additional 365 days after Medicare benefits are used)

  • Medicare Part B coinsurance or copayment

  • Blood (First 3 pints)

  • Part A Hospice care coinsurance or copayment

  • Skilled nursing facility care coinsurance

  • Medicare Part A deductible

  • Medicare Part B deductible

  • Medicare Part B excess charges

  • Foreign travel emergency (Up to plan limits)

What is the cost of High Deductible Plan F

Every insurance carrier has different premium rates for High Deductible Plan F. The premium rate depends on factors such as your zip code, gender, age, and tobacco usage. However, because all of the Medigap Plans are standardized, meaning they offer the same basic benefits, you can choose the insurance carrier that offers the lowest premium price, and has the best company rating (which indicates it has stable pricing over time). Please give us a call to get a quote today!

Difference between Part A
and Plan A

If you are new to Medicare, all of the different “Parts” and “Plans” may be confusing. To simplify it, “Parts” refers to Original Medicare. There are two Parts to Original Medicare,

Part A and Part B. Part A covers about 80% of your hospital stay bills.

A Plan A refers to one of the 10 Medigap Plans (otherwise known as Supplement Plans), which you can add onto your Original Medicare to cover much of your remaining health care costs. One of these 10 “Plans” is Plan A.

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