Medigap Plan F

Medigap Plan F is the most comprehensive Medicare Supplement plan available, covering every Medicare cost-sharing gap including the Part B deductible and excess charges. Like Plan C, Plan F is only available to beneficiaries who became Medicare-eligible before January 1, 2020.

What Plan F Covers

How to Compare Plans

Because Medigap benefits are standardized by the federal government, Plan F covers the exact same benefits at every insurance company that sells it. The only difference between carriers is the premium — which can vary by 30–50% for the same plan and the same applicant. Working with an independent broker lets you see the full market and pick the lowest price for identical coverage.

Is Medicare Supplement Plan F Right for You?

If you became Medicare-eligible before January 1, 2020 and currently have Plan F, you are on one of the most comprehensive Medigap policies ever offered. Plan F covers 100% of all Medicare-approved cost-sharing — every deductible, coinsurance, and copay — leaving you with zero out-of-pocket costs for covered services beyond the monthly premium. Keeping Plan F is generally the right decision for most existing enrollees.

Be aware that Plan F risk pools are now closed to new enrollees, which means the insured population ages over time and premiums may increase faster than other plans. Periodically comparing your Plan F premium against Plan G rates in your area is worthwhile — Plan G covers everything Plan F does except the $283 Part B deductible, and may be available at a meaningfully lower premium from a different carrier.