Supplement Plan F

As of January 1, 2020 Medigap Plan F (otherwise known as 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.

What is covered under Medigap Plan F

Medigap Plan F covers all of the gaps in Original Medicare, including both Part A and Part B deductibles and coinsurance. Therefore, this plan has the most comprehensive coverage out of all 10 Medigap Plans. The following expenses are covered by Plan F:

  • 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 Medigap Plan F

Every insurance carrier has different premium rates for Medigap 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!

What is the best replacement for Plan F

Since Plan F will no longer be available for newly eligible people as of 2020, the next best plan that our clients usually choose is Plan G. Plan G covers everything that Plan F covers, except for the Part B deductible, which is a once a year deductible of $198. The monthly premium cost of Plan G is also lower than Plan F, so overall Plan G is a great replacement for someone who would have wanted Plan F.

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.

Need more help from the Medicare Experts?

Our well trained agents are ready to answer questions about your Medicare health insurance, and put together a comprehensive plan to fit your needs. Request more information by any of the 3 ways bellow!

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