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 $1,484* You pay $0
Hospital days 61-90 You pay $371 per day You pay $0
Hospital Days 91-150 You pay $742 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 $185.5 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 $203 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 ($1,484).
***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.