Medigap Plan F is offered through most insurance carriers currently, so you may want to shop around for the best rate. Plan F will no longer be available after December 31, 2019.

Medicare Supplement Plan F offers the most complete benefits out of all the Medicare Supplement (Medigap) policies. As a result of providing a full benefits list, Plan F is often the most expensive plan option.  Below is what plan F covers in an easy to read the chart.

 Medicare Supplement (Medigap) Plan F Covered Benefits

Medicare Supplement: Plan F Details

 Medicare Part A

Services

Medicare Pays

Plan F Pays

You Pay

Hospitalization

First 60 Days

All But $1340

$1340 (Part A Deductible)

$0

61st Through 90th Day

All But $335 a Day

$335 a Day

$0

91st Day and After (60 Reserve Days)

All But $670 a Day

$670 a Day

$0

After Reserve (Additional 365 Days)

$0

100% of Eligible Expenses

$0

Beyond the Additional 365 Days

$0

$0

All Costs

Skilled Nursing Facility Care

First 20 Days

All Approved Amounts

$0

$0

21st Through 100th Day

All But $167.50 a Day

Up to $167.50 a Day

$0

101st Day and After

$0

$0

All Costs

Blood

First Three Pints

$0

100%

$0

Additional Amounts

100%

$0

$0

Hospice Care

You must meet Medicare's requirements, including a doctor's certification of terminal illness

All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care

Medicare copayment/coinsurance

$0

 

 

Medicare Part B

Services

Medicare Pays

Plan F Pays

You Pay

Medical Expenses

1st $183 of Approved Amounts

$0

$183 (Part B Deductible)

$0

The remainder of Approved Amounts

Generally 80%

Generally 20%

$0

Part B Excess Charge

$0

100%

$0

Blood

First Three Pints

$0

100%

$0

Next $183 of Approved Amounts

$0

$183 (Plan B Deductible)

$0

The remainder of Approved Amounts

Generally 80%

Generally 20%

$0

Clinical Laboratory Services

Tests for Diagnostic Services

100%

$0

$0

Foreign Travel

1st $250 each calendar year

$0

$0

$250

Remainder of Charges up to a lifetime maximum of $50,000

$0

80%

20%

Associated with Medigap Plan F Coverage

Medigap Plan F is offered through most insurance carriers currently, so you may want to shop around for the best rate. Plan F will no longer be available after December 31, 2019. If you already have a Plan F then you can keep it but, you will not be allowed to purchase new ones after 2019. Other plans are available at lower cost by the same carriers, but Plan F generally represents decent value for those facing increased copayments and deductibles because of regular medical attention. Plan F and plan G are similar except plan F pays Medicare Part B deductible.

Compare All Medigap plans side-by-side below.

Yes = the plan covers 100% of this benefit
No = the policy doesn't cover that benefit
% = the plan covers that percentage of this benefit
N/A = not applicable

Medigap Benefits

(Medigap) Medicare Supplement Plans

A

B

C

D

F*

G

K

L

M

N

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

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B coinsurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

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Contact: Indiana Insurance Alliance

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