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Medicare Supplement Part F | Medigap

Learning Center > Medicare Resources > Medicare Supplement Part F | Medigap

Medicare Supplement Insurance Plan F

Medicare Supplement Insurance, also known as Medigap, helps pay some of the costs that Original Medicare doesn’t cover, like:

  • Deductibles
  • Copays
  • Coinsurance

Original Medicare and Medicare Supplement Insurance work together:

  • First, Original Medicare (Part A and Part B) pays its share of the Medicare-approved amount for your covered health care costs
  • Then, your Medicare Supplement Insurance pays its share

You can buy Medigap policies through private insurance companies. There are several different Medicare Supplement plans, so you can choose the one that fits you best.

Comprehensive Benefits, Minimal Expenses

Among the various Medicare Supplement policies, Plan F offers the most comprehensive benefits. Because of this, the standard Plan F is generally the most expensive Medigap policy. It’s also one of the most popular choices for Medicare enrollees. With Plan F, you will have minimal out-of-pocket expenses. This is because Plan F covers the remainder of medical and hospital costs after Original Medicare (Part A and Part B) has paid its share.

Plan F is a good option for those who receive regular medical care.

10 Things Medicare Supplement Plan F Covers:

  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Part B coinsurance costs for preventive care
  • Part A hospital and coinsurance costs (up to an additional 356 days after your Original Medicare benefits are exhausted)
  • Part B copays or coinsurance
  • First three pints of blood for an approved medical procedure (yearly)
  • Part A hospice care copays or coinsurance
  • Skilled Nursing Facility (SNF) coinsurance
  • Emergency medical care when you’re traveling outside the United States

Medicare Supplement Plans generally don’t cover long-term care, private-duty nursing, vision care, dental care, hearing aids and eyeglasses.

High-Deductible Plan F Option

You may be interested in the high-deductible Plan F option. If you choose this plan, you would pay the first $2,240 in out-of-pocket expenses for your medical and/or hospital coverage. After you have paid that amount, this plan will start paying for your coverage.

Medicare Supplement vs. Medicare Advantage

It’s important to know that a Medicare Supplement Plan is different from a Medicare Advantage Plan. A Medicare Advantage Plan is another way to receive Medicare benefits. A Medicare Supplement Plan (Medigap policy) works together with your Original Medicare benefits and supplements them. Before you decide which option fits your needs, it’s a good idea to read about these choices and talk with a Medicare specialist.

Things to remember:

  • You must have Original Medicare (Part A and Part B)
  • You must continue to pay your Part B premium
  • You will also pay a monthly premium for your Medigap policy
  • You can buy a Medigap policy from any insurance company that’s licensed in your state to sell one
  • Your Medigap policy cannot be canceled by the insurance company as long as you pay your monthly premium
  • Medigap policies are not allowed to offer prescription drug coverage

For more information:

  • Visit Medicare.gov
  • Contact the private insurance companies that sell Medigap policies
  • Call 1-800-MEDICARE (1-800-633-4227) (TTY: 711) 24 hours a day, seven days a week
  • Call your State Health Insurance Assistance Program (SHIP)

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The purpose of this communication is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. Coverance Insurance Solutions, Inc. is not connected with or endorsed by the U.S. government or the federal Medicare program.

Coverance's Medicare Supplement website is operated by Coverance Insurance Solutions, Inc., a licensed health insurance agency.

Medicare has neither reviewed nor endorsed this information.

For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

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