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Medicare Supplement Plan F is the most comprehensive of the standardized Medicare Supplement plans available in most states. These plans might not be sold after 2020.
Medicare Supplement Plan F is a specific type of Medicare Supplement plan.
Medicare Supplement (also called Medigap) insurance may help pay for out-of-pocket costs of Medicare Part A and Part B. These costs might be coinsurance, copayments, or (in some cases) deductibles.
Please note: Medicare Part A and Part B make up the federal government’s Original Medicare program. Medicare Supplement plans are also named with letters, such as Plan F, but they are not the same thing.
In 47 states, there are up to 10 Medicare Supplement plans that are standardized with lettered names – for example, Medicare Supplement Plan F. Each standardized plan has the same set of basic benefits. Plan F, for example, has the same basic benefits whether you buy it in Vermont from one company, or in Washington from another. (Massachusetts, Minnesota, and Wisconsin have their own standardized plans.)
Each lettered Medicare Supplement plan has its set of basic benefits. Here’s what Medicare Supplement Plan F may cover:
There’s also a high-deductible version of Medicare Supplement Plan F. With that plan, you generally have to pay an annual deductible before Plan F pays your Medicare out-of-pocket costs.
Like all Medicare Supplement plans, Plan F is sold by private insurance companies.
Apparently so, for some people. According to congress.gov, starting in 2020, Medicare Supplement plans that pay the Medicare Part B deductible will no longer be sold to those newly eligible. This change is part of the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA).
The Medicare Part B deductible, which is the deductible amount involved in the MACRA legislation, can change every year. In 2019, it’s $185. That’s the amount you have to pay before Part B pays for covered services.
If you become eligible for Medicare in 2020 or later, although you may not be able to buy Medicare Supplement Plan F or Plan C, you may be able to buy a very similar plan.
Medicare Supplement Plan G generally has the same basic benefits as Plan F, except for the Part B deductible. So, you might want to look into Plan G. If you live in Massachusetts, Minnesota, or Wisconsin, contact your state health insurance assistance program (SHIP) to learn about Medicare Supplement plan details in those states. Go to https://www.shiptacenter.org/ and select your state.
If you’d like to compare Medicare Supplement plans, just click the Browse Plans button on this page to get started.
The product and service descriptions, if any, provided on these eHealth web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.