2020 Medigap Changes: No New Plans C and F

Learn what the Congressional change means for your Medigap plan

by Ray Wilson+ on Feb 14, 2020 | 73 Comments

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As of 2020, Medicare Supplement plans (AKA Medigap) no longer sell Plan F or Plan C to newly eligible Medicare members. Congress has issued the MACRA law stating that new Medigap plans are no longer allowed to cover the Part B deductible as of January 1, 2020. This only affects plans C and F and will only impact certain beneficiaries as explained below.

Learn all updates about MACRA Apply for Medigap

How is Medicare Changing in 2020?

Congress believes that by requiring all Medicare members to pay their part B deductible this will reduce medical overuse.  Since Medigap Plans C and Medigap Plan F (including High Deductible F are the only plans that cover the part B deductible, these are the only plans affected by this change.

Who is Impacted by the 2020 Medigap Change?

Newly eligible members on or after 1/1/2020 do no longer have the option of Medigap Plan C or Medigap Plan F. All other plans are still be available for purchase. Anyone enrolled in a Medigap Plan C or Medigap Plan F as of 12/31/2019 is “grandfathered” and able to continue with their plan as long as wanted. This means that if you currently have a plan F you are able to keep it.

In other words, if you turned 65 before 2020, then you will be able to enroll in Plan F. If you don’t, then unfortunately you won’t be able to purchase it.

When it comes to Medigap beneficiaries under 65, whether or not you are able to enroll depends on when you became Medicare eligible, just as stated above. If you became eligible before 2020, then you can enroll in Plan F, depending on your state.

Which Medigap Plan Should You Choose?

While there are definitely some Medigap plans that are more popular, your choice will depend on your personal circumstances like health condition, the area you live in and of course the cost of Medicare Supplement plans

Learn More about Medigap Get a Medigap Quote Apply for Medigap

By the way, Medicare has released how it is covering Coronavirus. You may want to check it out. For further questions please call 800-930-7956.

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Reader Comments and Questions

By Bruce on May 19, 2020

are innovative f and f extra included in this change?

Yes, they are. It includes both of these variations of Plan F. Check out Medigap's most popular plans for more guidance on which plan to enroll in.
-Chris from Senior65.com

By Stella on May 19, 2020

Im turning 65 in 2020, does this mean I cant get plan f, which other plan do you recommend?

Unfortunately, it does mean you cannot get Plan F. However, most people decide to enroll in Plan G either way, which is our recommendation. This is the plan with the most benefits at the better price. You can check out Medigap's most popular plans here.

Give us a call to enroll at no additional cost to you.
-Michelle from Senior65.com

By Jennifer on May 19, 2020

can I enroll in plan f if I am 62 disabled from Kansas?

Yes, you can. Kansas is one of the states that has laws making enrollment in every Medigap plan possible for under 65 Medicare eligible members. Even better, you cannot be charged more than it is normally charged for a Medigap plan (which in some other states is not the case).

When you are ready to enroll contact us. We will get you enrolled at no additional cost to you.
-Michelle from Senior65.com

By Gary on October 08, 2019

My wife and I both have medicare and plan f and rx plans, my plan f is via bcbs and rx with humana, I received a pamphlet from Humana that my rates are going down but I will now have a deductible of 435 dollars. My wife is on hospice care due to dementia and few of her drugs need to be purchased by me as long as it is dementia related. I see that bsbs does not have an rx plan in my zip code area, I am curious as to whether to change us to Medicare advantage plans as I have been told by doctors employees to stay with traditional medicare and keep a supplement plan. Are all rx plans going to a deductible, at this time my wife and I are both fortunate as we do not take a lot of medication?

Not every Part D plan has a deductible but most do. We suggest you stay on your Medigap plan but switch to a different RX plan that covers your drugs at a better rate. Many do offer Mail order. Please give us a call to discuss the best part D Drug option for you and get you prices, since we are not allowed to show them online.
-Michelle from Senior65.com

By Kathy on October 07, 2019

I am 62 and disabled. I became eligible for Medicare A and B in June of 2019. I now have Plan G and I thinking about enrolling in plan F if I am still able to. My question is the cost and I am on a fixed SSDI income . It seems like when I research all the plans everyone wants me to give a call before I can obtain information and what it would cost it is very wearing. I just want information and not a sales pitch and pressure. Thanks for your time

You can get a quote here without having to talk to anyone. All personal contact information in the quote is optional. You can also enroll here online. There is also our help center to the right. If you decide you do want to contact us, you have our number!
-Michelle from Senior65.com

By Brad on October 02, 2019

I am 66 DOB 7-21-53 and on my wife’s health insurance from her employer which we pay for.If i would come off this how am I affected as far as any if any “grandfather coverages? ,if any

If you come off your wife's insurance you will get a Special Enrollment Period to enroll in Medicare and also Medigap, Part D and Medicare Advantage. Since you were already 65 before 2020, you will always be able to get Medigap Plan F.

Give us a call when the time comes to get you enrolled.
-Michelle from Senior65.com

By Carol on September 24, 2019

My 91 year old mother living in Durham County NC has a Medigap Plan F with a separate Part D through Silverscript. She has been seeing multiple commercials for Medicare Advantage plans due to additional coverage for home health aide, vision, etc. She is hospitalized at least 1-2 annually for various ailments (neuropathy, anxiety, back pain) and often switches doctors. Should she switch to an Advantage Plan or stick with the Plan F which seems to cover almost all of her medical expenses although at a higher monthly cost? How difficult is it to get reimbursement for home health, etc. through a Medicare Advantage Plan? Many thanks.

It would be our strong recommendation to stay with Medigap Plan F for as long as you can afford it. Medigap is, in our opinion, the best way to preserve your wealth and the most flexible option which should work best considering your mother's situation.

If you are unable to make the monthly payment we would help you either downgrade to a Plan G or consider a Medicare Advantage.
-Chris from Senior65.com

By Deborah on September 20, 2019

My husband and I have both been enrolled in Plan F for the past Four years. I have read the changes but need some clarification. Does this mean that as of January 1,2020, part B will no longer be covered for us?..

Since you and your husband were Medicare eligible before 2020 you will be able to keep your Plan F. The plan will have exactly the same coverage and benefits, so you don't have to worry about losing a benefit like Part B deductible coverage.
-Michelle from Senior65.com

By April on September 06, 2019

I am 62 (under 65) , disabled, and on Part A & B since 2004. I am insured via my husbands employer - which is my primary insurance (medical, hospital and RX). My husband will retire in January and I will loose my medical, hospital and RX insurance. I have done a lot of research and determined that Plan F works best for me. Will I be able to purchase Plan F for people under 65 it in 2020 since I have been on Medicare?

It is our understanding that since you were Medicare eligible before 2020, you will be able to get Plan F. When the time comes, give us a call to help you enroll. We charge nothing for our services.
-Michelle from Senior65.com

By Pam on September 05, 2019

My birthday is in 1953. I have health insurance through my husband's employer and I do not wish to be on Medicare Part A. I have not filed for Social Security benefits and I wish to continue contributing to an HSA. Can I get Medigap (Part F) coverage when I do retire if I don't file for Medicare or Social Security until after January 2020?

If you enroll in Medicare in 2020 you will be able to get Medigap Plan F since you were Medicare eligible before 2020.

Give us a call when you are ready to enroll. There is never a fee to work with us.
-Michelle from Senior65.com

By Walter on September 04, 2019

Which part D plans are best when you are in the gap? Are there any changes to the gap in 2020?

Starting in 2020, Medicare Part D plan beneficiaries will pay 25% of their brand name and generic drug costs while they’re in the coverage gap. You can also check our article on Medigap Part D Donut Hole.

When it comes to which is the best drug plan for you, the answer really depends on what drugs you are currently taking. Give us a call to discuss your options for Part D plans. We charge nothing for our services.
-Michelle from Senior65.com

By Debi on September 03, 2019

I turn 65 in September 2019. I am presently working and covered by my company's insurance policy. According to all of this info, If I decide to retire the 1st qtr of 2020 I will only be able to purchase Medigap Plan G - should I consider signing up for Medicare now and get Plan F?

Since you turn 65 before 2020 you will be able to buy Plan F even after 2020. This legislation only affects newly eligible members, meaning seniors that turn 65 after 2020.

Nevertheless, most seniors are preferring to enroll in Medigap Plan G due to the possibility of Plan F's prices rising because of this change.

When your time to enroll comes, give us a call. We can enroll you at no additional cost.
-Michelle from Senior65.com

By Terynna on September 03, 2019

I am going to turn 65 January 31st so looking at the options. I am super healthy and take no meds but I do want vision and dental plans included. It is overwhelming to figure out which plans are the best for me to choose. My husband won't be 65 until March 2021 so is there a comparison chart for all of the medicare plans that I can look at to get an understanding?

Check our article on Medigap's Most Popular Plans where we show a chart of top plans.

Depending on your state of residence there may be some Medigap plans that cover vision. For a dental plan and everything mentioned, you can learn more and apply here.
-Michelle from Senior65.com

By Jackie on August 22, 2019

I need to know if I’m understanding you right. I’m gonna be 67 this year and I have a supplemental insurance/Medicare. The plan F, am I eligible because I’m. Already with Medicare ?

If you already have Plan F that means you turned 65 before 2020, which means that these changes don't apply to you. You will be able to stay on your plan F for as long as you like!

If you ever want to switch give us a call.
-Eric from Senior65.com

By Edward on August 15, 2019

My Cobra health insurance coverage expires December 31, 2019. I turn 65 on March 15, 2020 and have used your calculator to determine my sign up date starting December 1, 2019 with coverage starting on March 1, 2020. My wife's coverage will expires with my cobra and she just turned 62. Can you please provide advise on how to provide coverage for myself during the first three months of 2020 before Medicare goes into effect and my options for my wife until she reaches 65? Also, please advise supplements for me and enrollment period for them.

Based on the information you shared it looks like you will both have to purchase an individual under 65 policy until you become medicare eligible. You can learn more and get under 65 insurance quotes at Medicoverage.com

Your coverage will be short since in March you will start Medicare. You can get Medigap quotes here and should start the enrollment process in January.

Hope that helps. We would love to enroll you in a plan when the time comes.
-Chris from Senior65.com

By sharon on August 14, 2019

I have medicare part A and B I had Humana Advantage but they informed me they would no longer cover my medication so I changed to Silver Script/CVS for my medication and they do not allow advantage plans I have original medicare with 80% coverage I have had medicare for 17 years So are my doctor bills going to covered next year or not????????????

Did you move from a Medicare advantage plan to a stand alone Part D plan? Based on the information you shared that would not have been our recommendation.

The best way to help you is for you to give us a call so we can find a new Medicare Advantage plan that best fits your needs depending on the medication you take. Remember there is never a fee to work with us.
-Michelle from Senior65.com

By Patricia on August 14, 2019

I will be 65 in May 2020 and was told I can begin signing up for Medicare in Feb 2020. I wanted to sign up for Medicare Plan F but have read it is being discontinued. Will they be replacing it with a new plan, something similar? ALSO I currently live in South Florida 33415 but will be moving to North Florida 32060 in Dec 2021, do I need to be concerned with what plan I choose?

As the article states, Medigap Plan F is not getting discontinued but rather people who are new to Medicare after Jan 1, 2020 (like yourself) will not be able to purchase it.

The good news is that there is Medigap Plan G to the rescue! Most people who have a choice between F and G are choosing to enroll in Plan G because it is almost always a better deal. Give us a call to get prices and enroll. We charge nothing for our services.

BTW Moving in the future should not affect which plan you select today. We can explain over the phone.
-Michelle from Senior65.com

By Helen on August 13, 2019

Hi i have medicare parts a and b i dont pay a part b deductable does this mean i have f and c plan i have been in medicare every since 2018 will this change affect me

To get a Medigap Plan F or C you would have to have purchased it (like say through a licensed agent such as Senior65) You would know if you had a Medigap plan because you would be making a monthly payment for this additional coverage. If you are in the market for supplemental insurance, please give us a call!

BTW Since you already have Medicare the 2020 changes will not affect you. Check out our article on Medigap 2020 rules for additional info.
-Chris from Senior65.com

By SANDRA on August 06, 2019

My husband and I both have the BCBS Blue Cost Plan and pay the $159 per month each. We live in Le Sueur County, Le Sueur, MN 56058. This plan pays the Medicare deductible and I am wondering if it will continue to do so in 2020. Also wondering when the rates for this policy will be announced for 2020.

If you have a Medigap Plan F, your plan benefits will not change in 2020. The changes are for people who turn 65 after 2020. If it is a Medicare Advantage plan, benefits could change but it would be unrelated to the 2020 changes explained in this article.

Rates for both Medigap and Medicare Advantage can always go up but we have yet to be alerted by Blue Cross Blue Shield of an intended Rate hike for 2020.

If you would like to compare pricing and consider switching plans, please give us a call.
-Chris from Senior65.com

By Nolan on July 28, 2019

Does plan G cover the hospital deductible from the medicare part A. I know plan F does.

Plan G does cover the hospital deductible from Part A, same as Plan F. Check out Plan G vs Plan F here.

If you are looking to enroll in any of these plans give us a call. We charge nothing for our services.
-Michelle from Senior65.com

By richard on July 09, 2019

I did not enroll in Medicare Part B when I turned 65 because I am covered under my wife's work insurance. I am 68 and my wife is 67. She is retiring Dec 31 2019 and then we will both lose our work coverage and will have to enroll in Part B and choose a Medigap plan. Since we are both entitiled to the special enrollment exception due to work coverage until a period of time into 2020 are we grandfathered in to be eligible for Plan F?

You should be able to enroll in Plan F because you were Medicare eligible before 2020. Make sure you price out Plan G with us before you pull the trigger on F because it is often a better deal.
-Chris from Senior65.com

By Barbara on June 19, 2019

I turn 65 in March 2020, my present insurance is $396.00 monthly I have had a cut made in my hours of work, currently work 48 hours a week. But it’s either I pay the insurance or not eat. So if I cancel the insurance till I turn 65 will I be fined or ineligible for Medicare when I apply.

You don't need proof of existing insurance to qualify for Medicare. There may be penalties for lack of coverage under the Affordable Care Act but not through Medicare. You sound like a good candidate for a zero premium Medicare Advantage plan when you turn 65.
-Michelle from Senior65.com

By William on June 12, 2019

Hi. I will turn 65 in January 2020. Will I still be able to sign up for a Medicare Advantage plan under Part C? What is the difference (if any) between Medicare Part C and Medigap C? I obviously have a lot to learn as I thought there was only Medicare Parts A, B, C, D.

Happens to everyone! Medicare PART C is very different from Medigap PLAN C.

Medicare Part C is another name for all Medicare Advantage plans, while Medigap Plan C is one type of medicare supplement plan that fills in some of the gaps of Original Medicare.

We suggest you start here to learn about all your insurance options: https://www.senior65.com/medicare-insurance

That being said, for a Medigap plan you should really be considering only Plan F, G, N and High Deductible F. These are the ones that will most likely offer the coverage you need. Medigap Plan C is not very popular because it covers less and costs more than the previously mentioned plans.

We, at Senior65.com, can help you enroll in Medigap, Medicare Advantage, and Part D and we guarantee the lowest price allowed by law. The best part is we charge you absolutely nothing for our services! Give us a call.
-Michelle from Senior65.com

By Linda on May 07, 2019

I am 69 have part a and b and mutual of Omaha supplement F how will the change affect me

You may want to check out our article on the Plan F 2020 changes. Another helpful article could be Should I switch to G before 2020?

They basically said that you should not worry because Plan F is NOT going away but if you wish to switch to Plan G please give us a call. We charge nothing for our services!
-Michelle from Senior65.com

By Patricia on March 25, 2019

I will be turning 66 in January. Would like to retire then, how will these medical changes help or hurt me.

Our interpretation of the law is that since you qualified first in 2019, you should be able to enroll in whatever plan you want. While you should be able to select both Plan F and G, there is some speculation that Plan F will start becoming more expensive after 2020. You can read our new article Medigap Plan F 2020 Rules to find out more about the changes in 2020.

When you are ready to enroll in Medigap please don't hesitate to call us. We can help you at no additional cost!

-Michelle from Senior65.com

By Ed on February 25, 2019

We currently have Supplemental F plans - Will we be able to shop for a lower rate F plan during subsequest renewal periods every year? Or must we stay with our currrent provider?

Hello Ed,
If you want to shop for a lower Medigap rate by working with a different insurance company, you can do so at any time by submitting a new application. In most states though, you will have to answer medical questions and could be turned down for pre-existing conditions. You can read more about it in our article Switching Medigap Plans

When you are ready to apply for a new plan, give us a call to enroll.
-Chris from Senior65.com

By Dave on October 15, 2018

My wife is 72 and in good health. She has been on Medigap Plan F. If she is grandfathered in, I hear the no deductible will remain, but will she be facing higher premiums? Wondering if we should switch her to Plan G like i have and if so can we wait until latter 2019 to do so or would it be better to do so sooner?

There has been a lot of speculation that Plan F prices will increase once it is no longer available to those new to medicare. While we cannot know for sure what will happen in the future, we are starting to see some providers are increase the price of F over G. If you are considering switching from F to G, you want to do is while your wife is healthy. If she has a medical issue and then tries to switch she could be turned down. If you need help switching plans, we are good at it so please give us a call at 800-930-7956.
-Michelle from Senior65.com

By Harriet Simons on October 01, 2018

Does being grandfathered in a Medicare Advantage (Plan C) for after Dec 31, 2019 mean we won't have to pay the Part B deductible? The wording of the article isn't that clear on the deductible.

The article refers to Medigap PLAN C. This is very different to Medicare PART C (Medicare Advantage). Medicare Advantage plans will not change after 2020. Why they have two products both with the label "C" is a mystery.

Those with Medigap Plan C will not have to pay a deductible after 2020. -Jacima from Senior65.com

By Ron on August 13, 2018

I too am quite upset with this law change, especially coming from a Republican Congress. I have an Advantage (Plan C) plan. It covers all of basic Medicare plus eye exams, some eyeglasses costs, a dental exam, and other benefits. I still have to pay my full Part B premium to Medicare and I pay an extra premium to Aetna for Plan C. So I fail to see how this hurts Medicare. What is really irksome is that it is the Republicans who have talked for years about giving people more health care insurance options, then they turn around and take options away from Medicare participants.

By Nancy on July 28, 2018

I'm livid that congress made this happen. I have a cost plan with the Blues for 145/mo. It covers everything Medicare doesnt. No deductible; no co-pays. 100% coverage.

By Linda on April 07, 2018

Is there any new information concerning HighDed.Plan F for South Carolina seniors? Will this plan see substantial increases in monthly costs for the future? Thank you!

We have no insight into general future rate hikes for Plan F high deductible at this time. Give us a call for specific pricing info.
-Michelle from Senior65.com

By JOHN on January 13, 2018

My wife turns 65 on Mar 14, 2020. Will she be able to apply for Part F supplement in Dec 0f 2019 to avoid not being eligible for Part F under the 90 day prior rule.

Unless your wife qualifies for Medicare early due to disability, she will not be able to purchase a Plan F before she turns 65. In most cases a Plan G cost less and will save her money over F. Get a instant Medigap F and G quote here.
-Chris from senior65.com

By Lance on November 30, 2017

I won't be eligible for Medicare until after 2020. My plan had been to buy a Plan F with the high deductible and pay for the deductible with my HSA. After Plan F goes away, will the high deductible option be made available for other plans such as Plan G? Thanks!

We have not heard of any high deductible Medigap plan available to those new to medicare after 2020. We will keep this site posted if new rules allow for one in the future.
-Eric from Senior65.com

By Chris on October 17, 2017

I am 68 and have been on Medicare with a Plan F Medigap supplemental and a Plan D for prescriptions. From what I am understanding, my coverage should be grandfathered after 1/1/20. Am I correct? My question is regarding cost. I have a number of preexisting conditions and am concerned that my insurance carrier will be able to raise my premium significantly and I won't be able to afford it. If that is true what would my options be?

You are correct that you will be able to stay with Plan F after 2020. No one knows what will happen to health premiums in the future. All price increases will have to be approved by your insurance commissioner and cannot target just one individual for pre-existing health conditions.

While some states like California, Oregon, New York and Connecticut make it easy to switch Medigap plans, most state require you to fill out a application with health questions to switch.
-Eric from senior65.com

By Kathy on September 17, 2017

I am in my initial enrollment for medigap - my birthday was in July and I have part 1 and b. I believe my IEP ends at the end of December. If I instead decide to enroll in a Medicare Advantage program isn't there a period of time I can switch to medigap without underwriting? Or would I have had to have been in a medigap plan first, then switch to MA? IF I start with MA and am allowed to switch later WITHOUT underwriting, could I still get plan G? This is so confusing.

We agree this is so confusing. Our first suggestion is to use our MEDICARE DEADLINE calculator to make sure you have the dates correct. Basically, you if you start with Medicare Advantage you could switch to any Medigap if it has been less than 6 month from your Part B effective date. If you have been on Medicare Advantage for more than 6 months but less than one year, you can switch to some Medigap plans automatically but Plan G would require you to answer Medical questions.

If you start with Medigap, you can always switch to Medicare Advantage but it has to take place during Open Enrollment. If you are still confused please call us. We would love to help you get the right coverage!
-Amy from Senior65.com

By Dave on August 24, 2017

I am 67 and have a serious health issue (Alpha 1) I have Plan F and am concerned about the premium increase after 2020. Can I switch to Plan G before then without having to go through underwriting because of the ending of the Plan I am in? Or to keep covering my monthly infusions do I have to stay in Plan F, no matter the increase in premium?

Some insurance companies may let you downgrade from F to G without medical review while others will not. Call you insurance company to find out. Make sure you check if your state allows you to switch your medigap plan by law.
-Chris from Senior65.com

By Elizabeth on August 22, 2017

Can you please define "new enrollees"?

Anyone who applies for a Medigap plan in 2020 would be considered a "new enrollee." Basically if you have plan C or F before 2020 you can keep it but those trying to purchase it in 2020 will be out of luck.
-Chris from https://www.senior65.com

By Jesse on August 18, 2017

Plan F is a waste of money anyway, the cost difference between the increased Plan F Premiums and Plan G Premiums is more than the Part B Deductible, so Plan G actually costs you less money.

By mitch on August 11, 2017

Congress believes that by requiring all Medicare members to pay their part B deductible this will reduce medical overuse. Are you kidding me and all the while the taxpayers are paying for the top of line insurance benefits these leaches are receiving. I hope president Trump does take their elaborate subsidy away from them and makes them sign up for the same worthless coverages that they are forcing us to use. Lets see what they think of that .

By Ralph on July 25, 2017

I will be turning 65 this fall. If I chose plan F and post-2020 see substantial rate increases, am I guaranteed acceptance without penalty despite health issues into another plan, i.e. plan G? In general, can an enrollee drop into a plan with less benefits anytime without underwriting? I can see the increased premiums over time for "Cadillac" plans would encourage me to shop for a plan with cheaper premiums. Would coverage be guaranteed if I chose to do so? Also, if I experience significant premium increases over time with the company that I initially chose, am I guaranteed coverage into the same plan with another provider or am I stuck due to health issues with the company chosen on day one?

Unless you live in a state that allows for Medigap plan switching , there is no guarantee that you can switch or "downgrade" to a lesser benefit plans. Unless there are state laws in place, each insurance company can decide to let you switch. Most of our clients are starting with plan G as they believe they will be cheaper in the long run. Feel free to call us to discuss.
-Chris from http://www.senior65.com

By Dave on June 07, 2017

My wife and I are 73 and have had Medigap plan F for the past 3 years. I understand that plan F is going away in 2020 except for those that are grandfathered in. Should we switch to a plan G now and would there be any pre-existing conditions that would govern an increase in the cost or should we maintain the medigap plan F? Thank you.

If you would like to switch to Medigap Plan G and have preexisting conditions you can be charged more (too many to name). So therefore you'll have weigh if the new Plan G premiums (if you are approved) is worth it for you. We'd be happy to help you decide if F or G is right for your particular situation. Please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Eric from https://www.senior65.com/

By Denny on May 25, 2017

My husband and I had both been enrolled in Plan F. Made aware that this plan (and plan C) will cease to be offered as of 1/1/20 we changed to Plan G now, while we are healthy and underwriting would not be a problem. We were told that although we would be grandfathered in Plan F, that as the number of people enrolled in Plan F would begin to decline due to ceased enrollment and deaths, that the premiums would begins to skyrocket with fewer participants. It was mentioned that this is what happened and continues to happen to those enrolled in the cancelled (in 2010) Plan J which offered preventative care and in home recovery.

By Val on May 18, 2017

As a new member to Medicare, I am signing up for Medigap Plan F. I have two different companies, one being $45/mo more that the other. Their pitch is they sell a policy that can not be cancelled unless by me. However, as I research this, it seems that once I'm enrolled in Plan F I can stay there after it's closed by Medicare. So, if enrolled in Plan F, can I stay in it? Can an insurance company move me out after Medicare closes Plan F? Am I grandfathered in for life if I choose?

In most cases, your Medigap plans cannot be cancelled unless you miss a payment or choose to end coverage. So, yes, you can stay in Plan F for life. A company may choose to stop working in your area, but not pull out of the market just on their grandfathered plans, like dropping F, but keeping G after 2020. If your company chooses to leave your area, you will have a Special Enrollment Period, and will not have to answer medical questions to enroll in another Medigap plan. This should set your mind at ease when choosing a plan.

We highly recommend that you give one of our Senior65 licensed agents a call at 800-930-7956. We can help you walk through the plans in your area, and help you make an educated decision as to which Medicare Supplement plan is right for you.
-Chris from https://www.senior65.com/

By Robert on May 11, 2017

A previous person posted a question about enrolling into a Plan F High Deductible plan post 1-1-20. Amy, the person who responded from this website was incorrect. The new law states that the Part B Deductible can not be covered by a plan for new enrollment. With Plan FHD, NOTHING is covered by the supplement until the $2100 (approx) deductible is met. Therefore, this plan does not cover the Part B ded. Plan FHD will be available for enrollment post 2020 and will not face massive rate increases those that are Grandfathered into Plan F and C will face...

Thank you for your thoughtful comment. However, according to what we have learned from our sources, High F will no longer be sold to new enrollees after 2020, since it technically does cover the Part B deductible if you were to meet all of your out of pocket costs through Part A. We will continue to do research this subject, and update as this comment as needed.
-Michelle from https://www.senior65.com/

By Mary b. on May 03, 2017

will there be a SEP for people on plan F if they want to get off in 2020?

Mary b.,
As far as we know, there will not be a Medigap Special Enrollment period triggered by 2020. If you are interested in switching, we suggest that you do it now. If you need help, please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By Bill on April 29, 2017

June 1, 2017 is the anniversary of my High Deductible plan F. I am considering moving to plan G. But, wanted to know would I be able to retain Plan F High Deductible in 2020 and will it still be offered to new applicants?

You will not be able to join an F plan (High F included) or Plan C after 2020, even if you had an F plan in the past. If you're interested in enrolling in a Medigap Plan G plan now, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By Terry on April 14, 2017

I understand that Plan F will no longer be available in 2020. But will Plan F High Deductible still be available in 2020?

All forms of F will no longer be available for new enrollees in 2020. If you need help finding a Medigap plan, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By Melissa on April 04, 2017

I am 65 but still working. I am not under any Medicare now as I am covered under employer's insurance. If I retire before 2020 and enroll in plan F and later move to a different state after 2020 , will I still be able to keep plan F coverage ?

In most states, if you have Medigap and move out of state your plan will be portable. To find out which Plan F company is right for you, please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By joe on March 26, 2017

I live in GA. I understand I am unable to purchase a medigap plan until the 1st day of the month in which I turn 65. This is May 1, 2017. I am uncertain how long it will take to approve my application but will I be faced with a gap in "supplemental" coverage(for medicare approved expenses) in the period between application date and approval date ? Thank you. Joe

The first day of your birth month is when START your Medigap plan, but you can enroll up to 90 days before your effective date (takes a few days for approval). Call one of our Senior65 licensed independent insurance agents to help you enroll in a Medigap plan, 800-930-7956.
-Michelle from https://www.senior65.com/

By Ron S. on March 01, 2017

Under the California Birthday Rule, and after 2020, will someone with Plan F still be able to switch to Plan G, or another plan with fewer benefits if they want to, just like they can now? Or, is there a chance that they wouldn't be able to still use the CA Birthday Rule to change plans after 2020? Thanks...

As of now, after 2020, a Medigap Plan F enrollee will still be able to switch to any plan of equal or lesser benefits, including G. If you need help switching before then call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By Vivian on February 28, 2017

I have Plan F and was recently told the premiums for this plan are not eligible as deductions for some senior benefits. I receive a senior tax reduction on my property taxes but now they are telling me Plan F cannot be taken into account. This puts me over the income threshold for receiving the tax break and now I owe several thousand dollars in property taxes. Is this true?

You will want to contact your tax person for specific details on deductions. If you need help switching health plans, we can help!
-Amy from https://www.senior65.com/

By Jerry on January 29, 2017

If one non-intenionly-misstated a health condition on a medical under writing question and is dropped from plan F, what alternatives would be avaiable?

You can apply to another company, as not all Medigap companies have the same medical underwriting requirements. The other option is to apply for a Medicare Advantage plan during the Annual Election Period (Oct 15-Dec 7). If you have further questions call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By Mary on January 24, 2017

I live in CA. I have Plan F and consider changing to Plan N. After I change to Plan N, can I change back to Plan F later anytime for the same provider even after 2020?

If you decide to switch from Plan F to Plan N during the CA Birthday Rule, you will need to go through medial underwriting to switch back to Medigap Plan F. No one will be able to switch to or enroll in Plan F after 2020. If you need help finding a plan call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from https://www.senior65.com/

By Birgit Gardner on January 12, 2017

We live in California and currently have the Supplement F if we were to switch to G would we have to undergo underwriting.

Great question! You would not have to go through underwriting in CA (given you're over 65) to switch from Plan F to Plan G. For help finding the best plan and enrolling please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from https://www.senior65.com/

By Chris roering on November 30, 2016

Plan g had it in Illinois why not in Fla prices went why up

Some companies don't offer Plan G in all areas, and rates depend on your zip code. Traditionally, Florida is one of the more expensive states for Medigap plans. If you need help finding a cost effective Medigap G in FL call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from https://www.senior65.com/

By Scarlettt on November 25, 2016

Is it feasible that social security, or medicare programs will not be offered in the future. If so, will those already enrolled in these programs be grandfathered in ? It seems inconceivable that social security and or medicare could be discontinued for those already in the program.

We have no way of knowing what Congress will do in the future. However, we do agree that it seems inconceivable.
-Amy from https://www.senior65.com/

By Ed Davis on November 21, 2016

I have heard that if you have Plan F under a "Group Policy" such as community rated plans that those plans will not be grandfathered in. Is that correct information or salesman talk to get you to switch companies?

Community rated plans and group plans are different animals. Group policies are job-based insurance plans, and while these may have something similar to a Medigap plan, they will not be a Medigap plan. Otherwise, all other Medigap Plan F plans will continue after 2020, unless your plan chooses to leave your area -which means that you would have guaranteed issuance.
-Michelle from https://www.senior65.com/

By richard on November 07, 2016

Is plan F HD completely separate from plan F ? Is plan F HD going to be available through guaranteed issue ?. What have the rate increases been reported the last couple years? My zip code 22043

Medigap Plan High F is the identical plan as Plan F, but with a high deductible. If you have a qualifying event for guaranteed issuance then Plan F HD is one of the plans available to you. For specific details of a plan, we suggest contacting one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from https://www.senior65.com/

By Galen Terry on October 20, 2016

What is the number on this bill and has it already been passed into law? Is there still time to voice my opinion to my representatives against this bill? Seniors like myself are sick and tired of Congress passing bills that are detrimental to our wellbeing. I cannot believe how corrupt our country has become.

By Marilee Gordon on October 15, 2016

So if someone like me goes to the doctor once a year for a prescription renewal, we are being "rewarded" by increasing our premium every 3 months to try to get rid of us. Now, by reading this site, it appears only new subscribers in 2020 will be unable to get Plan F like I have - which pays Everything Medicare approves and doesn't pay. Am I reading this correctly - we, presently, on Plan F can keep it?

Firstly, if you are enrolled in a Plan F prior to 2020, you can keep your plan. Secondly, if your Medicare Supplement raises your rate 4 times per year, you may want to consider switching to another company.

If you need help finding a new plan or if you have other questions, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from https://www.senior65.com/

By Kristine on October 03, 2016

I am 68 years in Texas and have plan F. If I change carriers in 2020 can I stay with Plan F if I want to?

After Jan 1, 2020, you will not be able to switch/enroll in Medigap Plan C or F, even if you you are enrolled in Plan F from a different company. If you are considering changing plans now, you should contact one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from https://www.senior65.com/

By Ed on September 17, 2016

What congressional bill caused this change? What date was it passed in congress? Did my Arizona congressmen vote for this?himself

By Viola on September 13, 2016

I am nearing my 65 birthday and trying to decide which plan/company to get for my suppliment. I'm leaning toward Plan G but don't know which is the best company to go with. How does a person make that decision? I know that often the cheapest premium in the beginning is not always the best choice.

We'd be happy to help you make a decision on your Medigap Plan G! Just give one of our Senior65 licensed independent insurance agents a call 800-930-7956.
-Chris from https://www.senior65.com/

By Rebecca on September 11, 2016

If you are under 65 on SSDI and buy Medigap in a state which provides coverage, and then move to a state which does not offer Medigap policy for under 65, can your plan become portable to new state

Your Medigap plan is portable to most states, with few exceptions (ie. Massachusetts). With that said, your rate will be adjusted to the new zip code. Hope this helps!
-Chris from https://www.senior65.com/

By Dave on September 07, 2016

Because Plans C and F no longer will be available beginning Jan. 1, 2020, for new enrollees, has CMS provided for guaranteed-issue rights to allow beneficiaries to enroll in plans with fewer benefits, or will individual insurance companies simply allow for those rights at their discretion?

As far as we know, those enrolled in Plan C and F prior to 2020 will continue with those plans. If they want to switch to a plan of lesser benefits, they will have to go through medical underwriting. If this changes, we will update this comment.

If you need help finding a Medigap plan in your area, please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from https://www.senior65.com/

By Rebecca on August 24, 2016

I am on SSDI, 61 yo, living in AZ. I do not have available to me the Plan F. I have an Advantage plan in AZ. I turn 65 after the Dec. 31, 2019 date. I already reach my max OOP and end up in Dounut Hole every year. I have both Plan D and B drugs and plasma products. Life savings. I cannot continue to pay this cost with losing everything. It is only getting worst! How is one suppose to survive. I did not chose my illness! I go to the doctor when it is needed! This is what you do wit a serious chronis, life threatening illness! I could get help from manufacturers if not for the Federal Anti Kickback Satute! This jus seems so unfair!

We completely understand your frustration! We suggest you contact CMS about Medicaid for help with healthcare costs, as well as, see if you qualify for Extra Help with your prescription drugs. Hope this helps!
-Amy from https://www.senior65.com/

By L. Sellers on August 19, 2016

In the past, plans that were eliminated have had substantial rate increases for policyholders that are grandfathered. What type of increase can we anticipate after 2020?

L. Sellers,
Unfortunately, no one can anticipate what rate increases there will be for Plans C and F after 2020. What our Senior65 team can do is show how plans have historically increased in your area. For this personalized help, please call one of our licensed independent insurance agents at 800-930-7956.
-Michelle from https://www.senior65.com/

By Cathy C on August 09, 2016

Would a CURRENT Plan F policyholder living in California (which has an annual "birthday open enrollment" each year) be able to switch to a new/different Medigap provider company and KEEP their Plan F benefits with the new company? Or after 2020, if you switched companies during the California birthday open enrollment, would you lose your Plan F and be forced to enroll in a lesser plan (like Plan G)?

Great questions! 1) During the California Medigap Birthday Rule, a current CA resident who has Medigap may switch their Medicare Supplement F to any plan of equal or lesser value. 2) As far as we know, after 2020, you will not be able to switch your Plan F to another plan F, since there are no new plans offered, but you could switch to any available plan with lesser benefits.

For help deciding on the right Medigap plan for now and the future, contact one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from https://www.senior65.com/

By kims on July 12, 2016

When plan F stops covering the part B deductible in 2020, how will it differ from plan G, since everything else is the same?

Plan F will stop being offered to new enrollees as of 2020, but anyone who was enrolled before December 31, 2019, will be able to keep their Plan F coverage. So, the plans will still differ: Plan F will cover your Part B deductible, and Plan G will not. If you need help finding a Medigap plan call one of our licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By Randy on May 10, 2016

After 2020, once no new Plans C and F will be sold, will Plan G then become the new guaranteed issue version?

Medicare Supplement Plan G offers guaranteed issuance now, when you first are eligible for Medicare Part B and turn 65. If you are asking if Plan G will be guaranteed issuance if you already have Part B and are over 65, but have a qualifying event to enroll, unfortunately, there is not a definitive answer to that now. For further questions about enrolling in Medigap plans call one of our licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By Nancy H on April 22, 2016

I will be turning 65 this year. an agent suggested going with Plan G since it is the same as Plan F and the premium is lower and the difference between these to plans is approx $20-24 less for plan G. So this covers the $166 deductible in plan G. I'm leaning toward Plan G. My question is, if I opt for Plan F and fewer people go to plan F over the next several years, won't the premiums for Plan F go up, with few people being put on this plan? I know I would be able to go to a different plan, but as I age won't my premium for Plan F go up considerably?

We agree that Medigap Plan G is the way to go if the premium savings is significant, and it historically saves money over Plan F.

We don't know how premiums will change for Plan F after 2020. Unfortunately, no one can answer that. All that we can look at is how historically rates increased with the legacy plans (plans no longer available after 2010), and those rates stayed competitive. To learn which plan is best for you call one of our licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By Jewell on February 11, 2016

Those with plan f and c, will their deductible still be covered for b. Or will they have to pay the deductible? In 2020.

If you have Medigap Plans C or F, you will have the same coverage after 2020, and your Part B deductible will still be covered.
-Michelle from https://www.senior65.com/

By Simon Barstoe on January 08, 2016

How come they are getting rid of F? I thought that was the most popular plan.

We totally understand, and it is the most popular plan. The reasoning we've heard is that Congress believes that Medicare Supplement Insurance beneficiaries who have first-dollar coverage (plans pays immediately for coverage) like Medigap C and F, costs more to tax payers for what we pay for Original Medicare, than those who have to pay even the small Part B deductible. It's been shown that those with C and F happen to go to the doctor more frequently, so this is a way to curb Medicare spending. Hope this helps!
-Chris from https://www.senior65.com/

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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