Medigap plan F: Overview
Medigap Plan F is the most comprehensive of all the Medigap plans, offering coverage for all of the gaps in Medicare Part A and Part B. This includes deductibles, co-insurance, and co-payments. It also covers skilled nursing facility care coinsurance, hospice care coinsurance or copayments, and the first three pints of blood each year. If you are covered by Plan F, you will not have to worry about any co-pays or deductibles for Medicare-covered services.
Plan F is the most frequently purchased Medigap plan according to several reports. It pays for all gaps in coverage by Original Medicare including your hospital and outpatient deductibles.
That’s right, that means there are no out-of-pocket costs when you visit the doctor.
Medigap plan F Coverage
- Original Medicare Part A’s deductible
- Part B deductible
- Part B excess charges
- Part A coinsurance and hospital costs up to an additional 365 days after Medicare’s benefits are all used up
- Part B coinsurance or copayments
- First three pints of blood used in an approved medical procedure
- Skilled nursing facility coinsurance
- 80% of a foreign travel emergency (up to plan limits)
Medigap plan F Enrollment
To enroll in Plan F, you must be enrolled in Medicare Part A and Part B.
You can enroll in Plan F during your Initial Enrollment Period or during the Annual Open Enrollment Period. If you have a Medigap policy, you can switch to Plan F during the Medigap Open Enrollment Period. You may also be able to enroll in Plan F if you are covered by a Medicare Advantage plan and are disenrolled from that plan.
1. HDF and HDG are deductible versions of the F and G, respectively. If you choose one of these options, this means that you must pay for Medicare-covered costs up to the deductible amount of $2,490 (2022) before your Medigap plan pays anything.
2. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don’t result in an inpatient admission.
3. Plan F, High Deductible Plan F (HDF) & Plan C are ONLY available to those who were considered Medicare-eligible prior to 2020.
4. Out-of-pocket limits for Plan K are $6,620 (2022) and $3,310 (2022).