Medicare Supplement Plan F

Medicare Supplement Plan F offers the most comprehensive coverage out of any of the Supplements (also known as Medigap plans).

Unfortunately, because of the Medicare Access and CHIP Reauthorization Act of 2015, those who turned 65 after January 1, 2020 cannot purchase the plan because it covers Medicare Part B’s deductible. 

However, if you are still eligible to purchase this plan and are looking for the Medigap plan that takes care of everything — this is the one.

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What is covered under Medicare Supplement Plan F?

Plan F covers 100% of: 

  • Medicare Part A coinsurance payments for inpatient hospital care for up to an additional 365 days after Medicare benefits are exhausted
  • Medicare Part B copayment or coinsurance expenses
  • The first three pints of blood used in a medical procedure
  • Part A hospice care coinsurance expense or copayment
  • Skilled Nursing Facility coinsurance
  • Medicare Part A’s deductible
  • Medicare Part B’s deductible
  • Medicare Part B’s excess charges

It also covers 80% of a foreign travel emergency.

What if I’m not eligible for Medicare Supplement Plan F?

If you like Plan F’s coverage but are not eligible because you turned 65 in 2020 or later, Plan G is your answer. 

The only thing Plan F covers that Plan G does not is Medicare Part B’s deductible.


When can I enroll?

You can enroll once you have Medicare Part B. After your Part B effective date, you will have six months of guaranteed acceptance to enroll in a Medicare Supplement plan. This is a one-time open enrollment in which you cannot be turned down for any health conditions and won’t be charged an additional premium for health concerns. 

After that, you may not be able to get a Medigap plan or you’ll be charged additional premium for health concerns.