Medigap Plan F Details

Find out how Medigap Plan F works and what it covers

by Senior 65+ on Oct 28, 2015 | 36 Comments

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Medigap Plan F Overview

Medigap Plan F is one of the Medicare Supplement Insurance plans. Medigap plan F covers the most benefits of all Medicare Supplement plans, and is the most popular plan for Seniors 65 and over. These plans are regulated, which means every insurance company that offers Plan F must offer the exact same benefits.

Remember Medigap plans are designed to complement Original Medicare Part A and Part B.  Below is a list of what you would pay under Original Medicare alone, and then what you would pay if you purchased Medigap Plan F. 

Medigap Plan F Benefit Details

Benefits Original Medicare Alone Original Medicare With Medigap Plan F
Doctor Network All Doctors that accept Medicare All Doctors that accept Medicare
Part A Hospital Benefit Period Deductible You pay $1,408* You pay $0
Hospital days 61-90 You pay $352 per day per day You pay $0
Hospital Days 91-150 You pay $704 per day per day (lifetime reserve days) You pay $0
Beyond Lifetime Reserve Days You pay 100% You pay $0 up to an additional 365 hospitalization days.
Skilled Nursing Facility Care Days 1-20 You pay $0 (Part A deductible applies)** You pay $0
Skilled Nursing Facility Care Days 21-100 You pay $176 per day You pay $0
Hospice Respite Care You pay 5% You pay $0
First 3 Pints of Blood You pay 100% You pay $0
Additional Blood You pay $0 You pay $0
Part B Annual Deductible You pay $198 You pay $0
Ambulance You pay 20% (Part B deductible applies) You pay $0
Doctor’s Office Copays/Coinsurance You pay 20% (Part B deductible applies) You pay $0
Durable Medical Equipment You pay 20% (Part B deductible applies) You pay $0
Part B Excess Charges You pay 100% (Part B deductible applies) You pay $0
Foreign Travel Emergency You pay 100% You pay 20%***
Out-Patient Surgery You pay 20% (Part B deductible applies) You pay $0
Urgent Care You pay 20% (Part B deductible applies) You pay $0

Next Steps for Medigap Plan F

Get quote: Click here to see prices for Plan F
Learn More: See how much Plan F could save you
Check out Medigap Plan Detail Overview where you can find every Medigap Plan available.

The fine print of the Medigap Plan F Chart Above

*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 MaryAnn on July 01, 2019

I will be covered under Medicare A&B as of 9/1/19. I need to chose a Medigap plan and a Part D drug plan. Thank you!

Give us a call and we can get you enrolled in both Medigap and Part D in no time!
-Michelle from

By cathy on June 16, 2019

can you get medigap insurance while hospitalized for more than 60 days and you are entering your co insurance days?

If you are on the 9 month period that begins 3 months before you turn 65 and goes 6 months beyond that, you can enroll in Medigap with no medical underwriting. If that is not your case, you still can enroll but you will have to answer health questions in most states. If you are currently in the hospital and outside your initial enrollment, you most likely will not be approved.

Give us a call if you wish to proceed. We charge you nothing for our services.
-Michelle from

By Bruce on May 30, 2019

Good morning. I am improving my understanding of MEDICARE A and B and the supplement plans at a 'HIGH' level. Now to drill down. I live in zip code area 34450. If I move to a different zip code does the 'F' plan provider have any leverage(s) to throw me out of there plan and/or raise the premium? Our kids live in MN and if we move there one day, what are the possible outcomes? **Hypothetical - We live in Panama for 5 months per year(consecutively) and at our current residence (34450) for the other 7 months. How does this affect MEDICARE A? B? and Plan F? Lots of thoughts going thru me head as I near my SIGN-UP day. regards Bruce

Your monthly supplement premium could increase if your new home area has more expensive Medigap rates. In some cases your price can also go down.

Give us a call if you wish to discuss more. We can help you enroll at no cost to you.
-Michelle from

By Mitch on March 26, 2019

I'm new to Medicare and at this time am researching and considering the different Medigap and supplement plans. One thing about Part F confuses me. I've called several insurance providers and all have very different pricing for part F. Some were double the price of others. As I understand it, the benefits of Part F are regulated by the government, and all cover the 20% of medical costs not covered by Medicare. Given that, unless I'm misunderstanding something, why would you choose anything other than the lowest priced part F plan you can find? Is there some benefit being given under plan F by some insurers that is unavailable with others? Thanks.

You are completely right. The benefits of Part F are regulated by the government but each company can set its own price.

So a more expensive plan does not offer more coverage! Companies with a larger share of the Plan F market can usually charge less because they have a bigger pool of members. More members = less risk = lower prices.

But there is no need to call each insurance company for pricing. We, at, are appointed with the top Medigap insurance providers and offer the guaranteed lowest price. You should think of us as a one stop shop and we charge you absolutely nothing for our services (the insurance companies give us a commission but it doesn't affect your premium).

Get a Quote to see for yourself! Give us a call when you are ready to enroll.

-Michelle from

By Timothy Masters on August 18, 2018

Does Plan F cover home infusion therapy (antibiotic, chemo, whatever)?

As a basic rule of thumb if Medicare does not cover a certain treatment or benefit, then neither will Medigap (with the exception of foreign travel emergency). The opposite is also usually true. If Medicare covers part of a procedure or treatment, then plan F will usually fill in the gaps and cover the rest.

Medicare Part B covers 80% of some infusion pumps (and some medicines used in infusion pumps if considered reasonable and necessary) after the part B deductible is satisfied. A Medigap Plan F would cover the Part B deductible AND the 20% not covered by Medicare.

So check with Medicare first to confirm your coverage. Also, it is important to ask your infusion pump supplier if they participate in Medicare, otherwise there’s no limit on the amount they can charge you.

If you do not already have a Medigap plan F and are looking to apply, please contact your team here at There is no charge for us to help you select and enroll in a plan. We guaranteed the lowest price allowed by law.

-Chris from

By Ricky Johnson on April 24, 2018

Is their lifetime limits on Plan F supplements?

If you are asking is there a maximum that a plan F insurance provider will pay out in claims, the answer is no. There is no cap to what the insurance will pay for your medical expenses.
Hope that helps,
-Eric at

By David on December 01, 2017

Medicare Advantage plans changed dialysis coverage this year that you had to pay the max out of pocket first before they would start paying. So my mother went from $0 for her dialysis in 2016 to having to pay $7,200 for it this year. I want to move her out of the Advantage plan over to Medigap plan F, not the high deductible. What are the chances of that happening?

If she has missed her initial enrollment period (you can check here) and she doesn't live in a state that offers guaranteed Medigap coverage, she will not, in our experience, be approved on a Medigap plan while on dialysis. Your best bet is to find a different Medicare Advantage plan that covers dialysis better than her current plan.
-Eric from

By patty on October 24, 2017

If the year 2020- I understand Plan F & Plan C is going away- In the Michigan newspaper it reads:Change in the new law does not allow Medicare Supplements plans to cover the Part B deductible. Because both plan C & F do cover the Part B deductible they will no longer be available Jan 1, 2020 or after. The good news is that nearly identical plans will be offered. However the only change will be these plans & will not cover the Part B deductible. For the new plan beneficiaries Plan C will be replaced by Plan D, & the Plan F will be replaced by Plan G. Did you know this >????

Thank you and yes we are aware of the changes to medicare in 2020. I do want to clarify that Plan F and Plan C are NOT "going away." They will not be available to those new to medicare in 2020 but those previously on them can stay on their plan. Please see our article here: Medigap Changes in 2020 to learn more.
-Chris from Senior65

By Pam on May 18, 2017

I'm 71 and still working. I will retire in July of this year. Will I be eligible to get medicare B and D plus G or F without penalty when enrollment time is here? Also, what will I be required to get in order to get the supplement? Thank you, Pam

As long as your job based insurance is considered "creditable coverage" you are able to enroll in Part B, D and a Medigap plan without a penalty. Once you get your Medicare Part B effective date you can apply for Part D and a supplement at the guaranteed lowest prices and without health review.

If you need help finding the right Medigap plan for you call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from

By Terri on April 16, 2017

We live in MI but want to move to Ohio. My husband and I have a BCBSM medigap policy that covers all our medical expenses including my husband's dialysis we have never received a bill for anything including his triple bypass. It is no longer offered but as we are grandfathered we can keep this policy at higher rate but it will also probably continue to rise. Can we get plan F (not high deductible F) when we move to Ohio? If we can not get comparable insurance we won't be able to move. Thank you,

In most states, Medigap policies are portable when you move. Therefore, you should not need to enroll in another plan. If your plan will not allow you to move with it, then contact one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from

By tim on March 23, 2017

is the network of doctors larger with a broad network PPO Medicare Advantage plan than with Medigap Plan F. My question stems from the Plan F states under doctor net work (all doctors who accept Medicare. where Advantage plans do not reference medicare).

Medigap works under Medicare's network, which is the largest network of doctors and hospitals in the US and its territories. Even with a broad network Medicare Advantage PPO, you will still have a limited network. If you need help choosing between the two types of coverage, please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from

By tim on March 17, 2017

i understand you cannot switch from high deductible F to plan F with out underwriting approval but can you switch from Plan F to high deductible F with out underwriting approval? Also if you have plan F HD do you have to pay medicare Part A deductible and Part B deductible plus the deductible for plan F i.e. $1,316 + $183 + $2180=$3679 total before you have first dollar coverage?

In most states, you'll have to go through medical underwriting to switch to any Medigap, even one with lesser benefits.

As for you second question, your High F deductible is a combination of Medicare Part A and B's deductibles, copays, and coinsurance. So your total 2017 deductible cost is $2180.

For help enrolling in a Medigap plan call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from

By Beverly Zaluski on January 29, 2017

Have plan f supplement. Once mcr hospitalization days have exhausted and start using the 365 days allowed. If facility free for 60 days will those 365 days renew

I will try to answer it the best I can. With Medigap, you have 365 additional days of hospitalization. So, when a Medicare benefit period ends (out of the hospital/facility for 60 full days), a new Medicare benefit period starts, and you would be covered by Medicare again for the amount of days they cover. The 365 days are not renewable, they are lifetime days. Then when you run through your Medicare benefit period and are still hospitalized, your Medigap additional days would kick in again. Does this make more sense?
-Amy from

By Diane on January 22, 2017

Husband was charged a copay of $183... we explained that he has supplemental Medicare plan F.... According to everything I've read there should have been no charge....or does he have to submit a claim for reimbursement? Thanks great site!

He may have been charged for one of a few reasons: 1) Original Medicare didn't cover the service or item, therefore Plan F doesn't cover it; 2) It was a mistake made by your doctor's office; or 3) It was excess charges, where you pay (sometimes) upfront, and then are reimbursed. You will want to contact your Plan F provider to find out the details.
-Amy from

By Prasad Amladi on January 12, 2017

I purchased a comprehensive Medigap Plan F policy. This policy says that there are no diductibles or caopays for any Medicare Part A and Part B charges if incurred with any provider in the United States that accepts Medicare patients. I just wanted to know if there are any copays and deductibles for DME (Durable Medical Equipment ). Your Chart says I pay ZERO while the Medigap provider's Web-site says 20% Co-pay. The question is who defines the co-pay for Medigap Plan F? Medicare or the company. If they conflict, what is my recourse to resolve this conflict? It is my understanding that all insurance companies must meet the benefit coverage requirements and standards set by Medicare and not individual insurance companies that have opted to offer Medigap Plan F, Please clarify deductibles and co-pays for DME under Medigap Plan F for me. Thanks. Prasad Amladi

If you have Plan F, your plan will pay 100% of the DME's 20% Medicare coinsurance. So that is what the provider's website is discussing. If you need specific help with your plan, you'll want to contact your provider. If you are looking to enroll or switch plans please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from

By Richard Lee on December 07, 2016

If I needed chemotherapy, radiation treatment, or other expensive cancer fighting medications, what % would Plan F cover? How about heart bypass operation? I currently have Part A and Part B.

Medigap Plan F will cover 100% of your chemotherapy, radiation treatment, and other administered drugs, as long as you see a doctor/facility that accepts Medicare assignment/agrees to work with you if they don't generally accept assignment. Now prescription drugs for cancer treatment are a different story -those are covered by Part D, and you'd need to check to see which drugs are on each plan's formulary.

For help finding the right Medicare Supplement plan for you, please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from

By Joette licausi on December 02, 2016

My husband is signing up for a very reasonable Medicare advantage plan part C..can he purchase a part f separately?

Unfortunately, he cannot have a Medicare Advantage plan and Medigap plan at the same time. If he needs help choosing the right plan for him have him call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from

By Dana on November 16, 2016

My wife is on Medicare and we are considering Medigap Plan F coverage. She is taking an oral chemotherapy drug for cancer (Xeloda/Capecitabine-generic) that is currently covered under Part B of Medicare (we have verified this with Medicare and her Oncology pharmacy). It is now paid for at 80% with her current Medicare Advantage PPO plan (which will no longer be offered in our county in 2017). Will a Medigap Plan F pay for this oral chemotherapy at 100% since it is not administered at a doctors office like an infusion?

Medigap covers what Medicare covers. So if this drug is covered by Part B, Medigap will fill in the gap of coverage. If you need help switching to a Medigap Plan F after your wife's plan leaves your area, please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from

By Stefan Zucker on October 26, 2016

Does Plan F with the deductible require that one use doctors who are in network? Also, none of the brokers I've spoken with are familiar with plan F with the deductible. Do you know of any who are?

Medigap High Deductible F, along with all Medicare Supplement plans, allow you to see any doctor, hospital, or facility that accepts assignment, or who agrees to see you (High F will cover your excess charges once you meet your deductible).
At Senior65, we are licensed independent insurance agents that can help you explain and enroll in a High F plan. Give us a call at 800-930-7956.
-Chris from

By Edward on October 22, 2016

My wife has been prescribed physical therapy. Medicare will cover up to a certain number of sessions (let's say 17) for which they will pay a percentage; my wife's F policy covers the rest. If she needs more than 17, for which Medicare pays 0, will it be covered under the type F policy?

Unfortunately, Medigap only covers what Original Medicare does. However, you can ask Medicare to extend your cap limit.
-Chris from

By John on September 14, 2016

My question is,I have a family doctor,whom I'd like to keep?You mentioned plan F would help with pay and assignment of copay? Also are copay drug plans covered under plan F,or do I need a seperate plan provider? I'm retiring soon and 65. What about Dental and vision plans? I've applied To V.s.p for vision,which I currently have with my employer. They have a dental plan also! I'm not sure what they will cover? I received their cards? I'd appreciate some advice? Thanks

Medicare Supplement Plan F covers your copays, coinsurance, excess charges (costs when you see a doc that does not accept assignment), and deductibles. Therefore, you shouldn't have any out of pocket costs, and should be able to keep your doctor (always confirm with your doctor).

As for dental and vision, you will want to contact the company you have been provided coverage by for a summary of benefits. If you would like to enroll in a non-job based dental and vision, or a Medicare Supplement plan, please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from

By Cathy on August 02, 2016

My mother is currently in a skilled nursing facility after a fall due to a TIA. The hospital released her after 36 hours to the facility. 2 days later we took my father to urgent care and they admitted hhim to hospital due to dehydration and exhaustion. They would not keep him for 3 days and released him after 48 hours. He is now also in the skilled nursing facility under respect care due to his short term memory issues and will be there until our mom can come home. Both are receiving physical therapy while they are there. I have two questions: Under their part F coverage, is any of this covered. Secondly, is there can coverage under their plan for in home care once they are released from the facility.

For Medicare or Medigap to pay for Skilled Nursing Facility care, each patient needs a 3-day qualifying hospital stay. It does not seem that your father qualifies for coverage, and am not sure about your mother. If she was not admitted to the hospital, but held for observation for any portion of that time, she may not qualify either. If she qualifies, Medigap F should cover her coinsurance. You will need to contact your hospital and Medicare to confirm.

Medicare's Home Health Care has specific qualifications, but if they qualify there is coverage from Medicare and Medigap.
-Chris from

By Brenda Whitney on July 18, 2016

I have plan plan F supplemental plan. I cant find anywhere if chemotherapy is fully covered. Thank you.

Medigap Plan F covers chemotherapy at 100%, as long as it is administered in a facility (any prescribed drugs would be covered by your Part D prescription drug plan), and your doctor agrees to work with Medicare (even if they don't accept assignment -Plan F covers your Part B excess charges). Hope this helps!
-Amy from

By RebeccaHill on May 25, 2016

I will be 65 this July (2016) and am retiring the end of July this year. I signed up for BCBS with a representative in April (2016) and I believe she took advantage of me by "suggesting" a policy to take. I signed up and have received by cards but have not received a statement as yet. I will have coverage at my work place until the end of July and I can't have double coverage as I am paying for insurance at work until then. My husband has liver cancer, just found out about this, and we do not feel we can afford what I signed up for. Is there any way I can release my choice with BCBS and just take the Medicare for now? I was trying to do the right thing and now I feel I have made a terrible mistake. Do you have any advice for me?

We totally understand what a stressful situation you are in. Since your health plan has not started, you should be able to drop your insurance. There are two things to keep in mind before dropping your plan:

  • 1) If you only have Original Medicare, you can have high out-of-pocket costs.This could be costly, with your husband's current medical condition.

  • 2) If you do not enroll in certain Medicare insurance plans during your initial enrollment period, you may have to undergo medical underwriting and could be denied.

If you would like to find a plan that would meet your budget and your health needs, contact a Senior65 licensed independent insurance agents by calling 800-930-7956. Hope this helps!
-Amy from

By rose on May 25, 2016

Is it legal for a Medigap insurer to raise rates more than once a year?

Medigap insurer's can increase rates more than once a year. For instance, some plans have an annual increase in January, and another increase during your original enrollment month. If you're looking for a Medigap plan, please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Eric from

By Shelley Hoober on January 31, 2016

Why would I choose F over G. G is almost $300 cheaper which easily covers the $104 deductible. Is there something I don't see? Has the deductible ever gone up?

If Medigap Plan G's premium is significantly less than Plan F's, as well as if the plan has historically kept a low rate over time, then we say go for it! To address your second question, the Part B deductible was just increased to $166, not $104, which may seem high, but is quite a bit less than the 52% proposed increase. So, what we're saying is, there is no way to predict what the Part B deductible will be. Hope this helps!
-Amy from

By SunnySky on January 17, 2016

My husband turns 65 this March 2016. He already applied and received his Medicare card. Is Plan F truly the best option as he's been advised? Unfortunately he lost his job of almost 30 years the end of May 2015, with no severance. Further, no one is interested in hiring a 64 year old. With cash an issue, is Plan F the best way to go in the long run? Doesn't the cost keep increasing for these plans the older one gets? This is why my father went to another plan. What about Advantage Plans? After having medical/prescription/dental/vision insurance through an employer, we're just a bit lost and feel at a disadvantage for making a decision that truly is not in his best interests. Besides hearing F is the best, I want to make sure that is really true. (Yes, I have a concern many doctors will not accept a new patient. Our current doctor just turned 65, so if he retires next year....)

We know becoming Medicare-eligible can be overwhelming and stressful, but more importantly difficult to find the answers to your questions. So let me go through each of your concerns.

First, I'm going to answer two of your questions in one answer, most doctors accept Medicare assignment, and if they don't, both Plan F and G cover the hidden cost of excess charges (charges from a doctor/facility/supplier that doesn't accept assignment). For this reason, and the fact Plan F covers your Part B deductible, it came highly recommended to you.

Second, while we understand that cash flow is an issue for most retirees, and Medicare Advantage plans will have a low monthly premium, which can be very attractive, Medicare Advantage plans, generally, will cost you more annually than Medigap Plan F if your husband had a serious injury or illness. The reason is you will have copays and coinsurance, and may have to pay deductibles. Also, MA plans have a local, usually HMO network, whereas Medigap has a nationwide network.

Third, you are correct, the Medigap monthly premium will increase over time. But it's easy to switch from Medigap to Medicare Advantage, but not so easy the other way. So, our suggestion is if you can afford Medigap F now, go for it, but if the premium is prohibitive, consider other Medigap plans, especially Plan G, and if your budget absolutely does not allow for it, go with a Medicare Advantage policy.

For further help please call 800-930-7956.
-Jacima from

By sunny singh on January 16, 2016

I have medicare and supplement plan F. I had to go to hospital for three days for severe neck pain. I received a bill from emergency physician billing for $1015.00 saying it is from doctor on duty who examined me first in ER and he does not accept medicare Hospital is in net work of medicare. I gave my insurance cards at the time of admission in ER My question is, if hospital is listed in network of medicare still I had to ask every doctor who examines whether he accepts medicare ? I was in impression since I have medicare and plan F, all charges will be settled by medicare and plan F. please suggest

Part B excess charges are hard to gauge especially when you go to the emergency or are admitted into a hospital, because many times you don't have a choice of doctors. There is good news for you, though, since you have Plan F, you should be reimbursed by your Medigap provider. You just need to send a claim into them. This is why Medigap Plan F and G are superior.
-Amy from

By Lynn on December 02, 2015

My husband is 71 and I am 69. We both currently have Medigap Plan F. It is quite expensive as you continue to age. Do financial planners suggest switching to Medigap Plan F High Deductible if you can afford the $2,180 per year?

This may be the right decision for you. However, there are a few things to consider.

1) Will the premium of Medicare Supplement High F be enough of savings each year?

2) If you have to pay the full deductible, how much more will it cost than traditional Medicare Supplement F (Usually High F will cost more if you have a serious illness or injury)?

3) In most states you will have to answer medical questions to switch your Medigap policy.

If you need help determining the above factors please call 800-930-7956.
-Chris from

By Roger on November 25, 2015

Living in Arizona but will need surgery that is done in CA... how does Plan F work with such an arrangement? Are there caveats to doing surgery out of your state of residence (I am because the doctor is my surgeon, I moved, he did not)... and this doctor is a specialist... what should I look for as to issues? Also, can Plan F(s) be discontinued later... thank you very much. Roger

Thank you for your questions. Medigap Plan F can be used by any doctor or hospital that is in the Medicare network. So, as long as your surgeon and hospital accept Medicare assignment, you can have your surgery anywhere in the United States.

As for your second question, absolutely you can drop your Medigap Plan F coverage at anytime. However, there if you want to get Medigap again (any letter), you'll be required to answer medical and can be denied or charged a higher rate. I hope this helps!
-Michelle from

By Riki Kerr on November 25, 2015

Do you have a plan G and if you do how much is it.

Thank you for your question. Many of the companies we work with offer Medicare Supplement Plan G. If you would like a quote, please contact us at 800-930-7956.
-Amy from

By Deana Glenn on November 23, 2015

Why is medigap plan F called high deductible when it pays the medicare A and B deductibles?

We completely understand your confusion. Medigap High F is called that because you have to reach the "high" deductible before Medigap pays toward any Original Medicare costs for your healthcare. This means, if you have not meet your High F deductible, and were admitted into the hospital you would pay your Part A deductible, as well as, if you have not meet your High F deductible, and you were to visit the doctor, you would owe your Part B deductible and copays and coinsurance. I hope this explains it better.
-Jacima from

By Bob Levy on November 11, 2015

Medigap Plan F covers hospitalization costs beyond lifetime reserve days for up to 365 days. Suppose you're hospitalized continuously for more than 365 days. Is there a policy that covers costs for days 366 forward?

As far as we know, Medigap offers the most additional hospital days that we know of. Now there is Long Term Care insurance if you need to be a facility for an extended period of time -but this usually isn't in the hospital, but in a long term care facility. Hope this helps!
-Amy from

By Michael on October 31, 2015

I am 62 years old and on Disability. I currently have Medicare Parts A, B and D. Can I still purchase Medigap Plan F even though I'm not 65?

You may be able to enroll in a Medigap plan if you're under 65. It will depend on your state and providers in your area if they offer Medigap to persons under 65, and what the qualifications are. If you would like help finding a plan, please call 800-930-7956.
-Chris from

By Confused on October 20, 2015

If all Plan F plans offer the same benefits...then why do some companies charge a higher price? Is there something I'm missing.

You are not missing anything! Every Medigap provider MUST offer the exact same Plan F benefits, but can charge different prices.

Insurance companies are all about managing risk and they price the plans so that their members bring in more money with premiums than they cost with medical expenses. We usually find companies with a larger share of the Medigap market carry less risk and can often charge less then their competitors.

We agree, it's odd to see a company charging so much more than its competitors for the exact same thing. Be certain: A more expensive Medigap plan F does not equal better coverage. That is why you want to do your research and get comparative quotes before enrolling in a plan.

-Chris from

By Gordon Giesbrecht on October 17, 2015

I would like to set up an appointment for a review of my Medicare/HMO plans, and recommendations. Would you please respond with an offer of a time and date. Thank you.

We have sent you an email with my contact information, so that we can set up a time to go over Medigap and Medicare Advantage options. Looking forward to speaking with you.
-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.

We will not publish your last name or email if you submit this form.

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