Medicare Supplement Plan High F Vs. F

Learn if Medigap Plan High F or F is right for you

by Senior 65+ on Dec 26, 2015 | 4 Comments

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There’s Medicare Supplement Plan F and Plan F High Deductible, but what really is the difference. It’s actually pretty simple. The two cover the exact same benefits, and the only difference is that you have to meet the deductible before the plan kicks in. We know this can be a little confusing, so take a look at the chart, and we’ll explain more below.

Medigap Plan High F Vs F Benefit Details

Below you will see how the Medigap High F’s annual deductible of $2,300 must be paid before coverage kicks in. As well as, you will see on the chart how once the High F deductible is paid for you have IDENTICAL coverage. We’ll explain more about the High Deductible after the chart.

Benefits Original Medicare Alone Original Medicare With Medigap Plan High F Original Medicare With Medigap Plan F
Doctor Network All Doctors that accept Medicare All Doctors that accept Medicare All Doctors that accept Medicare
Part A Hospital Benefit Period Deductible You pay $1,408* You pay $0 after you meet High F deductible You pay $0
Hospitalization Coinsurance You pay $352 per day per day for days 61-90, and $704 per day for 60 lifetime reserve days You pay $0 after you meet High F deductible You pay $0
Skilled Nursing Facility Coinsurance You pay $176 per day for days 21-100 (Part A deductible applies)** You pay $0 after you meet High F deductible You pay $0
Part B Annual Deductible You pay $198 You pay $0 after you meet High F deductible You pay $0
Part B Copays/Coinsurance You pay 20% (Part B deductible applies) You pay $0 after you meet High F deductible You pay $0
Part B Excess Charges You pay 100% (Part B deductible applies) You pay $0 after you meet High F deductible You pay $0
Foreign Travel Emergency You pay 100% You pay 20%*** You pay 20%***

Get quote: Click here get a Medigap quote

High F Deductible Explained

We get a lot of questions about how the High F deductible works. And, we get that it’s confusing. So, here is the simplest explanation: If you have Medigap High F, Original Medicare will pay toward your care, but as you know it leaves GAPS in coverage, and with High F you will pay ALL of the gaps in coverage until you meet the Medigap High F deductible. You may be wondering what are ALL the costs, well, they can be any combination of the Part A deductible, Part B deductible, Part A and B coinsurance, excess charges, and copays. Once you meet a combined total of $2,300, you pay $0 for the rest of the year.

Who Should Choose Medigap High F?

Medigap High F is for a very specific client. If you prefer to save money on your premium, but are okay with paying everything out of pocket until you meet the high deductible, this plan might be right for you. Wait, wait! Before you sign up, you should consider this, High F should only be considered by those in good health AND those who are financially solvent in case of emergency (could have to pay $2,300 at once if you have a serious injury or illness). If this is not your story, then it might be better for you to enroll in Medigap Plan F.

Get more details on Medigap High F.

Who Should Choose Medigap Plan F?

We think everyone enrolling in a Medigap Plan should consider Plan F. Medigap Plan F is probably right for you, if you prefer to just have a set monthly premium, and not have to think about being nickeled and dimed with every service or appointment, or you prefer not to shell out a large sum of money if you had a serious injury or illness. Also, if you live in a state that has the Birthday Rule (CA or OR), or Anniversary Rule (MO) you will have more options for change your plan each year with traditional F.

Get more details on Medigap Plan F.

*Medicare Part A deductible is broken down into 60 day benefit periods. You have to pay the deductible if you reenter the hospital after 60 days from discharge. Example: If you enter the hospital March 1st you’ll pay the Part A deductible. If you leave the hospital 5 days later and return to the hospital on July 6th, you will be charged the Part A hospitalization benefit again.
**For Skilled Nursing you must have a 3-day qualifying stay in the hospital to qualify for Skilled Nursing Facility care AND you’ll still pay the benefit period Part A deductible ($1,408).
***Foreign Travel Emergency requires a deductible of $250. You will have to have your emergency within the first 60 days of travel, and the plan has a lifetime coverage amount of $50,000.
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Reader Comments and Questions

By Mark Stevens on October 08, 2016

Even with the Plan F, High Deductible, Medicare pays 80% of Part B after the very small annual deductible of $166, so your co-pay is only 20%. But the savings in premiums can be over $200/month depending on your area and insurer. I pay only $31/month for my High Deductible policy The high deductible option is a no brainer with guaranteed savings each month for the average person in good health. With Medigap, you pay for insurance to cover insurance. A bad deal for most people, but a great deal for insurers.

By Leslie on October 01, 2016

I am writing for my aunt, who is 70. Her Medicare card says she has Part A and Part B. Currently, she does not have a Medigap supplemental plan. Since her card does not mention Part D, do I assume she does not have Presciption also. She is not sure if she has one! As far as supplemental is concerned, she used to have one since she got the original Medicare (due to disability) but she dropped the supplemental in late 90's. My questions: 1. Is she still eligible to apply for supplemental even thought she dropped it before? 2. How would she know she has Part D. She does not take prescription drugs and generally healthy. But at her age, she needs to be prepared for everything I was telling her..

She absolutely can apply for a Medicare Supplement (Medigap) plan at anytime. We can help with that! Have her call one of our Senior65 licensed independent insurance agents at 800-930-7956, and we can help her apply.

As for Part D, she can contact CMS to see if they have a record of her enrollment. Either way she will want to look at new drug plans. We can also help with that. Have her call the number above.
-Chris from

By Michael Hogan on February 25, 2016

How stable is the $2180 deductible in Plan F-HD? Can this deductible be higher in the future?

Medigap High F's deductible for 2016 is the same as 2015's. However, the deductible rate can change each year. For instance, the 2012 High F deductible was $2070. Hope this helps.
-Amy from

By Steve Stinton on January 03, 2016

My total premium for Plan F HD would be $466. For Plan F it would be $1776. That is a saving of $1310 per year. Now, worst case, I require a lot of medical services (not covered by Medicare), I must first pay the Plan F HD deductible of $2180. So, my total for Plan F HD would be $2646 vs. Plan F $1776. That means I am risking only $870 (the difference) per year by going with the lower premium Plan F HD versus the upside potential of saving $1310 in years I don't need a lot of services. I'm still missing why Plan F enrollees would not always choose HD? Is there really a downside risk of Plan F HD?

We totally see your point! In your case, it may make sense to enroll in Plan F HD with that low of a monthly premium, but only if you're healthy, don't smoke, and don't have any preexisting conditions. For others, the difference in the premium is not that significant, so it doesn't make as much sense.

The thing for you to consider with Medigap High F is you at a minimum will still have to pay your Part B deductible. So, your savings will not be that $1310, but $1144, and that's you only if you visited one doctor. Now if you had to see a few doctors in the year or have an MRI, that savings gets smaller and smaller, and may no longer be a savings at all, not to mention if you were hospitalized and had to pay your Part A deductible. Many of our clients prefer to know their exact costs, and be able to save close to a thousand dollars if they have an emergency or serious illness. Hope this helps in your search.
-Amy from

PLEASE NOTE: We cannot comment on specific Medicare claims. Contact Medicare directly if you are trying to see if your issue is covered.

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