What Is Medigap Plan F? What You Need to Know

Medigap Plan F is the most comprehensive Medigap plan, but it’s not available for new enrollees. Plan G could be an alternative.
Alex Rosenberg
Kate Ashford, CSA®
By Kate Ashford, CSA® and  Alex Rosenberg 
Edited by Holly Carey

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Medigap Plan F is a Medicare Supplement Insurance plan sold by private companies to cover "gaps" in Original Medicare coverage, such as copayments, coinsurance and deductibles. Plan F covers more than any other Medigap plan, but it’s only available if you turned 65 before 2020

Centers for Medicare & Medicaid Services. Learn How Medigap Works. Accessed Feb 15, 2024.

Even if you’re eligible, Medicare Supplement Plan F can be significantly more expensive than its Medigap alternatives, so you may spend more than the additional coverage you’d get. If you’re not eligible to buy Plan F, you can purchase other Medigap plans with nearly as much coverage.

🤓Nerdy Tip

Medicare Supplement Insurance Plan F is often called Medigap Plan F. You might also see it referred to as "Medicare Plan F" or even "Medicare Part F," even though those labels aren't quite accurate.

Still deciding on the right carrier? Compare Medigap plans

What is Medicare Supplement Plan F?

Medicare pays its share of the approved amount for covered health care costs and services. Then, the Medigap policy pays its share. (You’ll pay a separate monthly premium for Medigap benefits.)

Medigap plans are only for Original Medicare members, not for Medicare Advantage beneficiaries.

Plan F is the most comprehensive Medigap plan, so it covers just about all out-of-pocket costs associated with Medicare Part A and/or Part B. It’s also the most popular plan type, covering about 41% of all Medigap members as of 2021


Here’s the catch for most new enrollees: If you’re newly eligible for Medicare after Jan. 1, 2020, you can't purchase a Medigap Plan F policy. After that date, new policies aren't allowed to pay for the Medicare Part B deductible, one of the features of Plan F (and of Medigap Plan C, which was also retired at the end of 2019).

If you were already covered by Plan F before Jan. 1, 2020, you can keep your plan. And if you were eligible for Medicare before that date but haven't yet enrolled, you may be able to buy a Plan F policy. But check the monthly premiums — you may be paying a lot more now for Plan F than you will for its closest alternative, Medigap Plan G plus the Part B deductible.

Medicare Supplement Plan F pros and cons

Medigap Plan F has pros and cons:


Coverage: Plan F covers more benefits than any other Medigap plan.

Availability: Most companies offer Medigap Plan F to those who qualify.

Simplicity: Plan F covers most out-of-pocket costs for Medicare Part A and Part B, so you don’t need to worry much about copays, coinsurance and deductibles.


Cost: Plan F premiums can get expensive.

Eligibility: If you turned 65 in 2020 or after, you can’t buy Medigap Plan F (Plan G is the closest alternative).

Value: Even if you qualify for Plan F, Plan G or Plan N might be a better deal overall.

What Medigap Plan F covers

Here’s what Medigap Plan F covers, according to Medicare.gov

Centers for Medicare & Medicaid Services. Compare Medigap Plan Benefits. Accessed Feb 15, 2024.

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up.

  • Part A deductible.

  • Part A hospice care coinsurance or copayment.

  • Part B coinsurance or copayment.

  • Part B deductible. (Since 2020, new Medicare members can’t buy any plan that covers the Part B deductible. However, this coverage is available for Medicare beneficiaries currently enrolled in Medigap Plan C and Plan F.)

  • Part B excess charges (if a provider is permitted to charge more than Medicare’s approved amount and does so).

  • Skilled nursing facility care coinsurance.

  • Blood transfusion (first three pints).

  • Emergency health care services for the first 60 days when traveling outside the U.S.

Plan F is also available as a high-deductible plan in some states, in which case coverage kicks in only after you meet a deductible of $2,800 in 2024.

What Medigap Plan F doesn't cover

Medigap Plan F offers the most comprehensive coverage of any Medigap plan. There isn't a Medigap plan that covers more than Plan F, but you should know that Medigap plans don’t cover everything.

Medigap Plan F doesn’t cover the following, nor do any Medigap plans sold to new Medicare members

Centers for Medicare & Medicaid Services. Learn What Medigap Covers. Accessed Feb 15, 2024.

Shopping for Medigap plans? We have you covered.

MEDICARE SUPPLEMENT, or Medigap, is private health insurance that covers “gaps” in traditional Medicare coverage. Compare options from our Medigap roundup.

Best for Medigap plan options

Best for member satisfaction

Best for premium discounts

Best for extra benefits

Medigap Plan F alternatives

If you’re not eligible for Medigap Plan F but want a similar option, Plan G is the closest alternative. Medigap Plan G covers everything in Plan F except for the Medicare Part B deductible, since plans sold to new members can’t include that coverage.

You can compare the coverage of all of the Medigap plans to decide what plan would work best for you.

Medigap plans are standard in every state except Massachusetts, Minnesota and Wisconsin, which have their own policies. Plans are regulated by the government, but they’re sold by private insurance companies, and it’s the companies that set the prices.

Buy Medicare Supplement Plan F during Medigap open enrollment

You can get the best price and have the smoothest enrollment experience if you sign up for a Medigap plan during your Medigap open enrollment period

Centers for Medicare & Medicaid Services. Get Ready to Buy. Accessed Feb 15, 2024.

This period happens only once. It starts once you’re 65 and enrolled in Medicare Part B, and lasts for six months. (If you're still working after 65 and covered by a group employer plan that is deemed creditable coverage, your six-month period starts after you’ve ended active employment or no longer have that insurance.)

Medigap policies are cheapest and easiest to get during this open enrollment period because insurance companies aren’t allowed to factor your health or medical history into your price. After the period ends, the prices may go up or you may be denied coverage due to your health status or medical history.

In some states, insurance companies sell Medigap plans to those under 65 who are living with a disability and are eligible for Medicare. You can find more information through your State Health Insurance Assistance Program, or SHIP.

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Get details on Medicare Supplement Insurance options


Medigap Plan

Basic benefits

Basics plus some extras

Highest coverage

Lower premiums, but higher copays

Lowest premiums — partial coverage

No longer for sale to new Medicare members

Still deciding on the right carrier? Compare Medigap plans

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