Medigap Plan F 2020 Rules: MACRA explained

MACRA is legislation that changes Medicare Supplement plans. Find out how it affects you!

by Lisandro Bustos+ on Mar 14, 2019 | 3 Comments

The Medicare Access and CHIP Reauthorization Act (MACRA) is a law that will change Medicare Supplement plans in all states, which becomes effective January 1, 2020. MACRA is a federal law that will change who can buy Medigap Plans F, High F, and C. As of 2020 only beneficiaries that are not newly eligibles will be able to keep Plan F, High F and C.

What’s new with Medigap?

Due to MACRA, on January 1, 2020:

  • Medicare Supplement plans with Part B deductible coverage (Plans C, F and high deductible F) cannot be purchased by “newly eligible” Medicare recipients.
  • The following guaranteed issue plans will be accessible for “newly eligible” Medicare recipients: Plans D, G, and high deductible G (which is brand new!)

What is the meaning of “newly eligible” Medicare recipients?

People who are 65 years of age or become first eligible for Medicare because of age, disability or end-stage renal sickness on or after January 1, 2020 are considered “newly eligible.”  If you are already have Medicare part A and B and are reading this in 2019, then you are NOT considered “newly eligible” and the MACRA rules do not apply to you.

How are present enrollees in Plans C, F, and High Deductible F influenced by these changes?

Current enrollees (those qualified for Medicare before January 1, 2020) with Plan C, F, or High Deductible F are able to keep their plan. What’s more, they can keep on purchasing Plans C, F, and High Deductible F after January 1, 2020. Current enrollees will likewise have the capacity to purchase the new Plan High Deductible G on or after January 1, 2020.

Learn More about Medigap Get a Medigap Quote

What will happen to Guaranteed Issue Medigap?

Medicare Supplement Plans D and G will be two of the guaranteed issue plans for “newly eligible” beneficiaries on or after January 1, 2020. As stated before, current enrollees can stay with their purchased Plans C, F, and High Deductible F. Even after 2020, People who don’t fall inside the category of “newly eligible” will still have the capacity to buy Plans C, F, and High Deductible F for the first time as well.  So when you hear rumors that “plan F is going away” those statements are misleading because Medigap plan F will always be available to current enrollees.

Since MACRA is coming in 2020, which Medigap Plan should I purchase now?

You want to select the gap plan that best meets your needs now and in the future.  For most of our clients, Medicare Supplement Plan G is usually the best short and long-term fit but this isn’t true for everyone in every area.  You can get prices and enroll in Medigap Plan F and G here.  If you want to discuss your specific case, give us a call at 800-930-7956.

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Reader Comments and Questions

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By paul boone on April 19, 2019

I am 67 and have group insurance at work. I have a friend who is telling me I should purchase Plan F since it is better coverage. He said I should do this before June 1 2019 and If I don't the rates will go up significantly. I have Plan A

There is some speculation that the rates of Plan F will go up after 2020. You can read about it in our article/client question Should I switch to Plan G before 2020. However, we are not certain of that.

Give us a call and we can help you decide whether Plan F or Plan G would be a good option for your case. You can also Get a Quote here.

Oh and one more thing, we charge you nothing for our services so please feel free to contact us.
-Michelle from

By suzanne on April 02, 2019

Will the cost of plan F go up for current holders once the new laws are in effect in 2020?

Many people are currently thinking that way and wondering if they should switch to Plan G before the changes in 2020. Please check our answer to this question here: Should I switch to Medigap Plan G before 2020?

Even if you are not currently working with us as your agent, we can help you switch at no cost to you!
-Michelle from

By Reed on March 15, 2019

So how does this affect Innovative F? I see so much stuff about plan F in 2020 but no one mentions Medigap innovative F. Thanks in advance, -Reed

Since Innovative F is basically F with hearing and vision, it should be treated like all plan Fs. It will not be available to those new to medicare after 2020. If you need help signing up for this plan before that happens, please don't hesitate to call us!

-Michelle from

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