Medigap Plan F: Cost, Coverage and Alternatives

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^[0]

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.

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%^[0]

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.

» MORE: Medigap Plan F vs. Plan G: Which one is right for you?

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).

Medigap Plan F essentially fills in every “gap” in Medicare coverage. Here’s what Medigap Plan F covers, according to Medicare.gov^[0]

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^[0]

• Prescription drugs.

• Long-term care (like non-skilled care you get in a nursing home).

• Dental care

• Vision care.

• Hearing aids.

• Private-duty nursing.

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^[0]

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.

» MORE: How much does a Medicare Supplement Insurance plan cost?

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:

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.

» MORE: Are high-deductible Medigap plans worth it?

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.