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Medicare Supplemental Insurance plan F

Understanding Medigap Plan F

Medicare supplemental insurance has become an extraordinarily popular option for seniors looking to complete their Medicare coverage.  The plans complement your Medicare coverage and allow you to rest easy, knowing that you will not get hit with large medical bills if you were to need medical care.  Of the ten Medigap plans Plan F is by far the most popular.  If you are familiar of all the benefits of this plan and are just looking to get quotes then fill out the form on this page to get started.  Otherwise keep reading and we will look at why Medicare plan F may be the best choice for you.

The Coverage

Medicare Part A and Part B come with nine very specific gaps in their coverage.  To help people who could not afford a large medical bill, the federal government partnered with private insurance companies to provide Medicare supplemental insurance.  For most states there are ten plans available and each one receives a letter designation.  Each plan covers a different number or combination of the nine coverage gaps in Medicare Part A and Part B.  Medigap plan F is the most comprehensive of the ten plans.  The gaps that are covered are:

Medicare Part A Coverage

  • Deductible
  • Hospital and coinsurance
  • First three pints of blood
  • Hospice care
  • Skilled Nursing Care
  • Foreign Travel Emergency

Medicare Part B Coverage

  • Deductible
  • Coinsurance
  • Excess Charges

This means that you will not have to pay anything more out of pocket above your Medicare Part B Premium, you Medigap plan F premium, and the premium for your Prescription Drug program.  What makes this nice is that you never have to worry about any crazy health care bill popping up because Medicare supplement will take care of it.  Quite simply Medicare plan F is the no worries solution for the coverage gaps left by Medicare.  When you do need medical services they will first be submitted to Medicare.  Once Medicare pays it’s part the remaining charges are sent to your Medicare supplement.  With this plan you will not receive any bills just reports that everything was paid.


While there are no exact plans that will replace Medicare supplement plan F there are some reasonable alternatives.  Many people choose to go with another Medicare supplement like plan C or Plan G.  These two plans tend to offer lower Medigap premiums and only leave one of the coverage gaps in Medicare open (plan G leaves the Part B deductible up to you while Plan C does not cover any excess charges that a doctor could charge you for out-patient services).  Another alternative is to go with private insurance that is called Medicare Advantage.  This health insurance replaces Medicare and in exchange you get to use the money that would have been spent on your Medicare coverage toward a private health insurance company.  You can get a good feeling for the difference between the two on our page for Medigap VS Medicare Advantage.  We specialize in all forms of Medicare coverage so whether Medicare plan F, one of the other Medigap plans, or a Medicare Advantage plan is the right plan for your needs, our team is ready and able to assist you in making the best decision.

At MedigapPlanF360.com we are dedicated to helping you find the best Medicare supplemental insurance policy for your needs.  As an independent agent we are able to shop all of the companies and all the different types of coverages that are available in your area.  If you have any questions or if there is any way we can serve you please contact us.