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Nerdy takeaways
- Medigap Plan F is the most comprehensive Medicare Supplement Insurance plan.
- Only people who became eligible for Medicare prior to 2020 are eligible to purchase Plan F.
- Plan G is a good alternative if you’re not eligible for Plan F or want a lower premium.
Medigap Plan F offers the most comprehensive coverage of any Medicare Supplement Insurance plan. It pays for almost all the out-of-pocket costs for Medicare-approved services. While it remains a popular plan type, it's no longer available to new Medicare members.
You can still buy Medigap Plan G, which offers similar coverage. Even if you're eligible for Plan F, rising premiums mean that Plan G is often a more cost-effective alternative.
🤓 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. What is Medigap Plan F?
Medigap Plan F is a comprehensive Medicare Supplement Insurance policy that pays for all of your deductibles, copayments and coinsurance, including the Medicare 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.)
Because it covers nearly all out-of-pocket costs associated with Original Medicare, Plan F was the most popular Medicare Supplement Insurance plan for years.
However, Plan F was overtaken by Plan G in 2023. Plan F now covers 36% of Medigap members, while Plan G covers 39%. Because Plan F is no longer open to new Medicare members, its pool of members is aging, which can lead to higher premium increases.
Even if you’re eligible for Plan F, you should check the monthly premiums. You may be paying a lot more now for Plan F than you would for its closest alternative, Medigap Plan G.
Who is eligible for Medigap Plan F?
Medigap plans are only for Original Medicare members, not for Medicare Advantage beneficiaries. And if you became eligible for Medicare in 2020 or later, you can't purchase a Medigap policy that covers the Medicare Part B deductible, which rules out Plan F (and Plan C).
Can you still get Plan F in 2026? You may be eligible to buy Medigap Plan F if:
- You turned 65 before Jan. 1, 2020.
- You became eligible for Medicare due to a disability before Jan. 1, 2020.
- You were already enrolled in Plan F and want to switch insurance companies (though you may have to pass a health check, and you could be denied).
Compare Medigap plans
| Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Premium discounts available |
|---|---|---|---|---|
| A, C, D, F, G and N | Far fewer than expected | Below average | ||
| A, B, C, F, G, K, L and N | Far fewer than expected | Above average | ||
| A, F, G and N | Far more than expected | Above average | ||
| A, F, G and N | Far fewer than expected | Above average |
What does Medigap Plan F cover?
Medigap Plan F essentially fills in every “gap” in Medicare coverage. Here’s what Medigap Plan F covers, according to Medicare.gov:
| Medigap benefit | Plan F coverage |
|---|---|
| Part A deductible | ✓ |
| Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up | ✓ |
| Part A hospice care coinsurance or copayment | ✓ |
| Part B deductible | ✓ |
| Part B coinsurance or copayment | ✓ |
| Part B excess charges (if a provider is permitted to charge more than Medicare’s approved amount and does so) | ✓ |
| Blood transfusion (first three pints) | ✓ |
| Skilled nursing facility care coinsurance | ✓ |
| Foreign travel emergencies (Medically necessary emergency health care service for the first 60 days when traveling outside the U.S. Deductible and limitations apply.) | 80% |
| Out-of-pocket limit | X |
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:
- Long-term care (like non-skilled care you get in a nursing home).
- Private-duty nursing.
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 overall | Best for plan availability |
| Best for low prices | Best for premium discounts |
How much does Medicare Supplement Plan F cost?
Prices vary according to age, location, tobacco use and other factors. Premiums for a 75-year-old female nonsmoker start at $184 per month in Atlanta, for example, which has average costs among major U.S. metro areas for the most popular Medigap plan types.
Premiums for Medicare Supplement Plan F are set by the private health insurance companies that sell it, even though the plans are regulated by the government.
💬 From our Nerds: Is Medicare Supplement Plan F worth it?
“Medicare Supplement Plan F offers a lot of coverage, but it’s not necessarily the best value. Sometimes lower Plan G premiums might outweigh the cost of losing coverage for the Medicare Part B deductible, for example. Compare quotes to find the best option for you.”
— Alex Rosenberg, lead writer covering Medicare
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.
The Medicare Part B deductible is $283 in 2026. So if the difference between a Plan F premium and a Plan G premium is more than $23.58 per month, Plan G is the better deal.
Here’s a table comparing the overall cost of Medigap Plan F vs. Medigap Plan G for a 75-year-old female nonsmoker in Atlanta:
| Medigap Plan F | Medigap Plan G |
|---|---|
| Monthly premium: $184. | Monthly premium: $152. |
| Part B deductible: $0. | Part B deductible: $283 in 2026. |
| Total annual cost: $2,208. | Total annual cost: $2,107. |
In this case, Medigap Plan G offers a better value.
Is there a high-deductible Medigap Plan F?
Some states also offer a high-deductible Plan F, which provides the same benefits after a deductible of $2,950 in 2026 is paid. There’s also a high-deductible Medigap Plan G. These high-deductible Medigap plans typically have drastically lower premiums. Monthly premiums for the same 75-year-old nonsmoker in Atlanta start at $53 for Plan G and $67 for Plan F.
You can compare Medicare Supplement plans' costs and coverage 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.
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 plan options | |
| If you want... | Consider... |
| 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 | |
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- 1. Centers for Medicare & Medicaid Services. Learn How Medigap Works. Accessed Jan 27, 2026.
- 2. AHIP. The State of Medicare Supplement Coverage. Accessed Jan 27, 2026.
- 3. Centers for Medicare & Medicaid Services. Compare Medigap Plan Benefits. Accessed Jan 27, 2026.
- 4. Centers for Medicare & Medicaid Services. Learn What Medigap Covers. Accessed Jan 27, 2026.
- 5. Medicare.gov. Find a Medigap Policy that Works for You. Accessed Jan 27, 2026.
