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Medigap Plan F is a Medicare Supplement Insurance plan that’s offered by private companies. It covers "gaps" in Original Medicare coverage, such as copayments, coinsurance and deductibles.
Plan F offers the most coverage of any Medigap plan, but unless you were eligible for Medicare by Dec. 31, 2019, you can’t purchase Plan F. Even if you’re eligible, it 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.
How it works
Medigap plans are only for Original Medicare members, not for Medicare Advantage beneficiaries.
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 alternative, Medigap Plan G plus the Part B deductible.
What Medigap Plan F covers
Here’s what Medigap Plan F covers, according to Medicare.gov:
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 $2,490 for 2022.
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).
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 insurers, and it’s the insurers who set the prices.
To find out what Medigap Plan G or any of the other plans would cost you, visit Medicare.gov.
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. 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
Basics plus some extras
Lower premiums, but higher copays
Lowest premiums — partial coverage
No longer for sale to new Medicare members