High Deductible Plan F
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.
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)
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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