Medigap Plan F High Deductible Overview

Medigap Plan High F is one of the Medicare Supplement Insurance plans. This plan offers the same coverage as traditional Medigap plan F, but it has a high deductible of $2,370. Medigap plans are regulated, so 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 High Deductible.

Medigap Plan High F Benefit Details

Benefits Original Medicare Alone Original Medicare With Medigap Plan High F (must meet $2,370 deductible before coverage kicks in)
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****

*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.
****You must meet your plan’s deductible of $2,370, before any coverage kicks in.

Next Steps for Medigap Plan F High Deductible

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