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Plan F Medicare Supplement Benefits

Foreign Travel Emergency Care

Medicare Supplement Plan F-High Deductible ( NY, CT & Florida’s Best Value)

This benefit provides coverage for medical care provided outside of the United States, which is not typically covered by Original Medicare .

Medigap Plan F pays for 80% of your foreign travel emergency care costs. Coverage is provided after a $250 deductible has been met for the year in 2022.

For more detailed information, read our page about Medicare Supplement Insurance benefits.

Compare Medigap plan benefits in your area.

Disadvantages Of Medigap Plan F

On the downside of this plan option, its large amount of coverage can be costly and have high monthly premiums. Also, if youre newly eligible for Medicare as of January 1, 2020, or later, you will not be eligible to buy this plan, as it is being phased out for new enrollees.

Tips for shopping for a Medigap plan

Follow the tips below while shopping for a Medicare supplement plan:

  • Pick a plan. There are several Medicare supplement plans to choose from. The extent of coverage can vary by plan. Review your health-related needs to decide on one thats right for you.
  • Compare policies. Once youve decided on a plan, compare the policies offered by different companies, as costs can vary. Medicares website has a helpful tool to compare the policies offered in your area.
  • Consider premiums. Providers can set their premiums in different ways. Some premiums are the same for everyone, while others may increase based on your age.
  • Remember high deductible options. Some plans have a high deductible option. These plans often have lower premiums and may be a good choice for someone who doesnt anticipate a lot of medical expenses.

Medicare Supplement Plan F Is Not Plan F Everywhere

There are some exceptions to Plan F benefits, specifically in the States of Massachusetts, Minnesota, and Wisconsin, where State laws provide for different versions of standardization in the plan. These states are often called a la carte states as there are no standardized plans. Medicare recipients essentially build their own plans benefit-by-benefit. However, individuals in these states would have the ability to build a plan identical to Plan F.

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What Is A High

High-deductible Plan F differs from standard Plan F in that it has an annual deductible.

High-deductible Megiap Plan F has the same benefits as the standard Plan F policy, but you must meet a deductible before you can access its health benefits.

For 2022, the annual deductible for the high-deductible Plan F is set at $2,490. If you want to switch from a high-deductible plan back to the standard Plan F, you may need to undergo a medical exam for underwriting.

A high-deductible Medicare Plan F policy could be useful if you are healthier and do not think you’ll need many medical services. However, you should carefully evaluate your own medical situation before committing to the high-deductible plan, as you would be responsible for the entire $2,490 if you incurred a large medical cost.

For example, say you needed to get a colonoscopy, which can cost up to $3,500. Under a standard Medigap Plan F, the first 80% of that bill would be paid for by Medicare Part B. The remaining 20% would be covered by Plan F. You would end up paying nothing in medical expenses under this scenario, but you would pay the monthly premium. Based on the lowest average premium of $161, your Plan F would cost at least $1,932 per year.

Plan F Coverage For Other Medicare

Medicare Supplement Plan F

This plan coverage also includes 80% of approved costs associated with foreign travel emergencies, which is vital for the many seniors who enjoy taking cruises or other trips outside the United States. There are plan limits, but this coverage can help offset charges associated with becoming sick or injured while traveling outside of the U.S.

Plan F also includes Medicare-approved skilled nursing facility coinsurance costs. This coverage is essential as hospitalization can lead to the need to stay for an extended period in a skilled nursing facility for recuperation. Medicare limits this benefit to the first 100 days of a stay in a skilled nursing facility. Because of this, If you need extended coverage beyond 100 days, individuals should consider a long-term care plan.

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Plan F Coverage Of Medicare Part B Expenses

Plan F also covers the Medicare Part B expenses. Part B covers doctor visits and related charges covered under Medicare for providers. Like Part A, Part B only covers 80% of the Medicare-approved expenses. It leaves the remaining 20% on the Part B participant.

Plan F covers Medicare Part B approved services at the doctors office, such as:

  • Medicare Part B coinsurance and copayment
  • Medicare approved doctors office fees
  • Part B deductible
  • Medicare Part B excess charges
  • Other Medicare-approved expenses associated with Part B coverage

Plan F is one of only two Medicare Supplement plans that cover the Medicare Part B excess charges .

Medicare Supplement Plan M

Medicare Supplement Plan M is one of the new supplements created by the Medicare Modernization Act. It first hit the Medicare insurance market in the summer of 2010.

Medicare Plan M provides the same basic benefits as other supplements. However, it has a slightly reduced monthly premium in exchange for your willingness to pay half of your hospital deductible and all of your annual outpatient deductible. By sharing in these deductibles as well as excess charges, you get the benefit of reduced premiums.

Plan M could be a good fit for someone who doesnt expect to visit the hospital often and feels he can afford the occasional cost-sharing. However, its important to have a licensed agent who specializes in Medicare supplements to help you. He or she will evaluate the differences in premiums and make sure that the savings are worth the risk of some expenses.

Medicare Part A coinsurance and coverage for hospital benefits

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Coinsurance For Skilled Nursing Facilities

While staying at a skilled nursing facility, you will be required to make coinsurance payments of $194.50 per day in 2022 for days 21-100 of your stay, and you will be responsible for all costs thereafter.

Eight Medicare Supplement Insurance plans offer at least some coverage for skilled nursing facility coinsurance, and Medigap Plan F is one of only six plans to offer full coverage.

The Cares Act Of 2020

Medicare Supplement Plan G vs F vs N

On March 27, 2020, President Trump signed a $2 trillion coronavirus emergency stimulus package, called the CARES Act, into law. It expanded Medicare’s ability to cover treatment and services for those affected by COVID-19. The CARES Act also:

  • Increased flexibility for Medicare to cover telehealth services.
  • Increased Medicare payments for COVID-19-related hospital stays and durable medical equipment.

For Medicaid, the CARES Act clarified that non-expansion states can use the Medicaid program to cover COVID-19-related services for uninsured adults who would have qualified for Medicaid if the state had chosen to expand. Other populations with limited Medicaid coverage are also eligible for coverage under this state option.

Do not pay a Medicare broker directly for their assistance. They are paid by the insurance company to sell their insurance. If you suspect Medicare Advantage fraud, please call the Medicare Drug Integrity Contractor at 1-877-772-3379.

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What Doesnt Medigap Plan F Cover

  • Prescription drug coverage: Medicare Supplement policies sold after January 1, 2006, do not cover prescription drugs. Original Medicare doesnt cover prescriptions either. So, you can only get Part D prescription benefits if you enroll in a Medicare Part D prescription drug plan or buy a Medicare Advantage policy that includes coverage for prescription drugs.
  • Supplemental health benefits: Like other Medigap plans, Medicare Supplement Plan F doesnt include coverage for things like hearing aids, vision and dental care, long-term care, and private-duty nursing. You can get some of these benefits through a supplemental health insurance plan or through Medicare Part C, also known as Medicare Advantage.

How Does Medicare Supplement Plan F Work

Medicare Supplement Plan F offers basic Medicare benefits including:

  • Hospitalization: pays Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
  • Medical Expenses: pays Part B coinsurancegenerally 20% of Medicare-approved expensesor copayments for hospital outpatient services
  • Blood: pays for the first 3 pints of blood each year
  • Hospice care: pays Part A coinsurance

In addition to the basic benefits, Plan F also provides coverage for:

  • Medicare Part B excess charges
  • Skilled nursing facility care
  • Medicare Part A deductible for hospitalization
  • Medicare Part B deductible for medical and hospital outpatient expenses
  • International travel medical emergency help

Plan F also has a high-deductible option. If you choose this option, you have to pay a deductible of $2,370 for 2021 before the plan pays anything. This amount can go up each year.

High-deductible policies have lower premiums, but if you need to use your benefits, you may have higher out-of-pocket costs.

Explore plans

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How Do Medicare Supplement Insurance Plans Work With Original Medicare

Medicare Supplement plans work alongside your Original Medicare coverage to help cover some of the costs you would otherwise have to pay on your own. These plans, also known as “Medigap”, are standardized plans. Each plan has a letter assigned to it, and offers the same basic benefits. The basic benefit structure for each plan is the same, no matter which insurance company is selling it to you. Note: The letters assigned to Medicare Supplement plans are not the same things as the parts of Medicare. For example, Medicare Supplement Plan A is not the same as Medicare Part A .

Medicare Supplement Plan B

What is Medicare Supplement Plan F?

Medicare Supplement Plan B, also called Medigap Plan B, offers the same benefits as Plan A. In addition, it will also pay your Part A hospital deductible for you. This is a significant benefit as the deductible in 2017 is $1,316, and tends to go up slightly each year. Having Medigap Plan B means that you will never have to worry about that deductible going up.

Your hospital deductible is a per-incident deductible, not an annual one, so this is an important benefit. Medicare Plan B will pay the deductible even if you incur it more than once in the same year.

Medicare Part A coinsurance and coverage for hospital benefits

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How Much Does Medigap Plan F Cost

Private companies offer Medicare supplement plans. As such, the cost of a plan can vary greatly by company, even for the same benefits.

Youll have to pay a monthly premium with a Medicare supplement plan. This is in addition to premiums you pay for other parts of Medicare, such as Medicare Part B or Part D.

An insurance provider can set their Medicare supplement plan premiums in three different ways:

  • Community rated. Everyone who has the policy is charged the same amount regardless of how old they are.
  • Issue-age rated. The premium is determined by how old you are at the time you buy the policy. Premiums are lower for younger buyers and higher for older buyers but dont increase as you age.
  • Attained-age rated. The premium increases as you get older. Your policy will become more expensive as you age.

What Is A Medicare Supplement Insurance Plan F

Thereâs no Medicare Plan F, and thereâs no Medicare Part F. If you hear anyone talking about one of these, theyâre probably referring to Medicare Supplement Insurance Plan F. Medicare Supplement insurance plans are sold by private insurance companies, which arenât required to offer all 10 of the Medigap plan types offered in most states. However, they must offer at least Plan A if they offer any Medigap plan, and must also offer Plan C or Plan F, if they offer any Medigap plans other than Plan A. Because of its popularity, many insurance companies offer Plan F. Plan availability varies by location, so always research and compare plan options for your specific zip code and county.

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What Does Medicare Supplement Insurance Plan F Cover

Medicare Supplement Plan F covers out-of-pocket costs that Medicare doesnt cover, says Laura Decker, co-founder and president of the Employee Benefits Division at SSGI, a Maryland-based employee benefits insurance agency.

Specifically, this includes costs for Medicare Part A and Part B , such as:



For 2022, Medicare Part As deductible is $1,556.

In addition to the deductibles and copayments, Medicare Plan F also covers things like hospice care coinsurance, skilled nursing facility coinsurance, up to three pints of blood, and foreign travel emergency care.

The Best Medicare Plan For You: Plan F +rx

High Deductible Medicare Supplement Plans 2022 Update

The recommended plan is the best fit based on a few questions. There are other personal circumstances that may change this recommendation, including receiving employer sponsored retiree benefits or having specific medical circumstances to consider. Please note that CMS will impose a penalty if you do not have prescription drug coverage . We strongly encourage you review all options with an agent before applying.

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What Happens To Your Medicare Supplement Plan F When You Move To A New State

When you move to a new state, you can keep your current Medicare Supplement plans. In most cases, all you must do is contact your carrier and submit your new address. Since Medicare Supplement plans are standardized, your benefits will not change. However, your premium may increase or decrease depending on your new ZIP Code.

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How Much Does Medicare Part F Cost

The cost of Medicare Plan F depends on a few factors, including your age.

For people who already had Plan F before January 1, 2020, the average cost of Plan F is $172.75 a month.

However, how much you will actually pay for Plan F will depend on your age. Additionally, the cost will increase every year.

Although Plan F has been eliminated for new enrollees, Decker explains that the best time to purchase any Medicare supplement is during the initial enrollment period when you first become eligible for Medicare. That begins three months before your 65th birthday and ends three months after. Otherwise, pre-existing health conditions could prohibit you from purchasing a plan later during the annual open enrollment period.

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What Are The Costs Associated With Plan F

Plan F costs will vary, depending on the county you live in and the insurance companies that sell Medicare Supplement insurance in your location.

For beneficiaries who donât mind paying for out-of-pocket costs up front, there is also a high deductible Plan F option. This is a variation on the standard Plan F that requires beneficiaries to pay all out-of-pocket expenses up to the deductible, which is $2,490 in 2022. After meeting the deductible, the plan begins to pay for Medicare-covered costs.

Keep in mind that the high-deductible Plan F option doesnât vary from the standard Plan F when it comes to basic benefits. Instead, the high-deductible Plan F may have lower premium costs than the standard Plan F this is offset by the fact that your out-of-pocket costs may be higher until youâve reached the deductible.

Explore Your Medicare Supplement Options With Healthmarkets

Medicare Supplement Plan F

The Medicare Plan F vs. Plan G decision doesnt have to be complicated. HealthMarkets can help you get the right Medicare Supplement plan for your needs. Best of all, this service comes at no cost to you. Compare plans online today or call to speak with a licensed insurance agent.


* The cost of Plan G premiums will vary by state, age, sex, and tobacco use.

1.How to compare Medigap policies. Medicare.gov. Retrieved from https://www.medicare.gov/supplements-other-insurance/how-to-compare-medigap-policies. Accessed on November 10, 2021. | 2.Medicare costs at a glance. Medicare.gov. Retrieved from https://www.medicare.gov/your-medicare-costs/medicare-costs-at-a-glance. Accessed on November 10, 2021. | 3.Supplement Insurance plans in Florida. Medicare.gov. Retrieved from https://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=12083& zip=32162& year=2022& lang=en. Accessed on November 10, 2021.

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What Does Medicare Supplement Plan F Pay For

Medicare Supplement Plan F is the only plan that covers all Medicare Supplement insurance benefits. The following are the benefits available with Medicare Supplement plans. Yes means that Plan F covers 100% of this benefit.

Medigap Benefits
This plan covers the annual Part B medical insurance deductible, which is $203 in 2021.3
Part B excess charge Yes A provider who doesnt accept the Medicare-approved amount for a covered service as full payment can charge you extra. Medicare Supplement Plan F is one of the few plans that covers this charge
Foreign travel exchange up to plan limits 80% This benefit has a lifetime limit of $50,000 to help pay the costs for certain emergency care you receive outside the U.S. after youve paid a $250 annual deductible.
Out-of-pocket limit N/A Some Medigap plans have an annual out-of-pocket limit that you must meet before the plan begins to pay all the costs for covered services. This doesnt apply to Medigap Plan F. An out-of-pocket limit is different from a deductible.

Core Benefits Included In All Plans

Plan A has basic, core benefits that are all also included in plans B through N. The core benefits are:

  • Payment of Medicare Part A co-insurance for the 61st through 90th day in the hospital
  • Payment of Medicare Part A co-insurance for any hospital confinement beyond the 90th day, up to an additional 60 days during the policyholder’s lifetime
  • After using all the Medicare hospital inpatient coverage, including the lifetime reserve days, all Medicare-eligible hospital charges will be covered up to 365 additional days during the policyholder’s lifetime
  • Coverage for the reasonable cost of the first three pints of blood each year under Medicare Part A and Part B
  • Payment of the 20% co-insurance amount under Medicare Part B after the policyholder pays the Medicare Part B deductible. Payment of the 20% co-insurance amount for outpatient mental health services, after the deductible is paid.
  • Coverage of Medicare copayment/coinsurance for Hospice when there is a doctor’s certification of terminal illness.

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