Consult DreamHealthQuotes to learn more about Medicare Supplement Plan F.

In order to assist you save time and money on the necessary benefits, DreamhealthQuotes can compare Medigap policies.


Learning about Medicare Supplement Plan F

Medicare Parts A and B (Original Medicare) are used in conjunction with Medicare Supplement Insurance (commonly known as Medigap) policies. Among the regular Medicare Supplement insurance plans accessible in most states, Medicare Supplement Plan F (sometimes referred to as Medigap Plan F) offers the maximum degree of coverage. Massachusetts, Minnesota, and Wisconsin each have their own set of standardized Medigap insurance.

What is covered by Medicare Supplement Plan F?

If you have Medicare Supplement Plan F, using Medicare Parts A and B should cost you nothing out of cash. You will be required to pay your monthly Medicare Part B premium payments, and if you haven’t put in enough time at work to be eligible for premium-free Medicare Part A, you can also incur a premium for that plan.


Hospital Coverage

100% of Part A Hospital Coverage for all Coinsurance and Deductible Expenses for Hospitalization.

Medical Charges

Covers 20% of Medicare-approved charges and 100% of Original Medicare Part B coinsurance.


The first three pints of blood you get during a medical treatment are covered by transfusions.

Hospice Care

Pays the Part A coinsurance or copayment under Original Medicare. Facility care coinsurance is also covered.

Part B Deductible

Covers the full Original Medicare Part B deductible ($226 in 2023) for hospital outpatient services as well as other services and goods.

Unexpected Travel

Emergency medical expenses incurred while traveling overseas are covered (80% of approved charges, up to plan restrictions).

Excess Charges

Original Medicare Part B excess expenses are covered. (Doctors may charge up to 15% more than what Medicare pays and may pass that additional cost on to the patient. You won't need to fret about it with Plan F)

Preventive care

Pays for preventive care under Original Medicare.



Prescription MEDs

Prescription medications are not covered under Medigap Plan F. To cover the expense of prescription drugs, you can purchase an extra Medicare Prescription Drug coverage.

There have been a few important changes in Medicare Plan F access 

Medicare Supplement Plan F and its high-deductible equivalent are no longer available as of January 1, 2020. As long as the payments are paid, anyone who was already enrolled in a Medigap Plan F as of December 31, 2019, was permanently retained and can keep using the plan.


Options for Medicare Supplement Plan F Enrollment

Medicare beneficiaries who became eligible after December 31, 2019, cannot use the Medicare Supplement Plan F. However, those who qualified for Medicare before January 1, 2020, may continue their coverage under Plan F or sign up for a new Plan F.


Are you new to Medicare?

You cannot sign up for Plan F if you are new to Medicare. Other supplemental plans, such as Medicare Supplement Plan G, offer similar coverage.


Joined Medicare prior to January 2020?

If you signed up for Medicare prior to January 1, 2020, you could still be able to purchase Plan F.


Already have a Medicare Plan F? 

If you presently have Plan F, you have the choice to stick with it, weigh your choices, or switch plans.


There is an alternative to Medigap Plan F

For anyone who became eligible for Medicare on or after January 1, 2020, Medigap Plan F is no longer offered, but there are other supplement plans with comparable coverage.


Plan G of Medicare Supplement

The main distinction between Medicare Supplement Plan G and Plan F is that Plan G excludes coverage for the Medicare Part B deductible. Another high-deductible option is available with Plan G. With a high-deductible plan, you are responsible for paying all copayments, coinsurance, and deductibles up to the $2,700 deductible in 2023 before your plan begins to pay anything.


Financial implications of Medicare Supplement Plan F?

Medicare Supplement Plan F premiums vary depending on the provider, your area, age, health, and a number of other criteria. There is also the high-deductible Plan F option available for people who don’t mind paying out-of-pocket expenses up front. The cost of Medicare Supplement Plan F varies depending on the insurance company. Three methods of pricing for Medigap plans exist: community-rated, issue-age-rated, and attained-age-rated.


  • Community-Rated: Regardless of age, everyone with a Medigap coverage typically pays the same monthly cost. The inflation rate and other factors may cause premiums to increase, but your age is not one of them.


  • Attained-Age-Rated: The premium is calculated based on your current age, and the premiums rise with your age. When you are younger, your premiums are cheaper; as you get older, they rise steadily. Additionally, premiums may rise as a result of inflation or other circumstances.


Here are answers to some of the most frequently asked questions by our valued clients 

All Original Medicare's gaps are covered by Medicare Supplement Plan F. You won't be responsible for any out-of-pocket expenses when you visit the doctor because it covers both your Medicare Part A and Part B deductible as well as your coinsurance and Medicare Part B excess charges.

With the exception of Wisconsin Medicare Supplement Plans, Minnesota Medicare Supplement Plans, and Massachusetts Supplement Plans, Medigap plans are standardized, offering the same benefits in most states.

Insurance companies may make you wait before receiving coverage for a pre-existing ailment, even if they cannot force you to wait for your coverage to begin. Pre-existing conditions may not be covered by a Medicare Supplement plan if they were treated or discovered within six months prior to the start of coverage. The excluded condition will be covered by the Medicare Supplement plan after the initial six months.


However, if you purchase a Medicare Supplement plan to replace your "creditable coverage" Medigap plan during the Medigap open enrollment period, you may be able to skip or reduce the waiting time for a pre-existing condition.

Analyzing different Medicare Supplement Plans and comparing them

There are eight commonly available Medicare Supplement plans offered. DreamhealthQuotes is here to walk you through the numerous alternatives so you can select the Medigap plan that best fits your requirements and financial situation. Additionally, we can address any queries you may have. For more information on the various Medicare Supplement plans available, keep reading.

For your convenience and ready reference, do feel free to explore the following valuable resources for more on Medicare supplement plans:

Discover Your Ideal Medicare Supplement Plan with DreamhealthQuotes

The ideal Medicare plan for your needs, your budget, and your healthcare requirements can be difficult to determine. To locate the best Medicare plan for your needs, DreamhealthQuotes will take the time to learn about your unique requirements. We’ll then shop and compare all of the Medicare plans you have access to.

Unlock the highest value for your money!