Medicare Supplement Plan F
As of January 2020 Medigap Plans sold to new people with Medicare are not allowed to cover the Part B deductible ($198 in 2020 and $203 in 2021) because of this, Plans C & F are not available to people new to Medicare. If you already have one of these two plans, you will be able to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans.
Medicare Supplement Plan F has also been the #1 seller with The Benefit Link for many years. According to a report from America’s Health Insurance professionals, about 57% of all Medigap policies in force were a premium Medicare Plan F policy. (In recent years, Plan G has become the most popular Medicare supplement plan, as it is similar to Plan F and you can read more on that below. Plan G is available to all Medicare beneficiaries.)
A Medigap plan, or Medicare Supplement, pays after Medicare to help cover your deductibles, copays, and coinsurance that you would otherwise be responsible for. Medigap plans do not replace your Medicare Part B. You must be enrolled in both Part A and Part B first, then you are eligible to enroll in Medicare supplement Plan F.
When you add a Medicare Supplement Plan F or G to your Original Medicare benefits, your coverage will be quite comprehensive.
Medicare – Plan F
|Medicare Part A coinsurance and coverage for hospital benefits||✔|
|Medicare Part B coinsurance or copayment||✔|
|Blood (first three pints)||✔|
|Hospice Care coinsurance or copayment||✔|
|Skilled Nursing Facility Care coinsurance||✔|
|Medicare Part A deductible||✔|
|Medicare Part B deductible||✔|
|Medicare Part B excess charges||✔|
|Foreign Travel Emergency (up to plan limits)||✔|
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