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 $2,950. Medigap plans are regulated, so every insurance company that offers Plan F must offer the exact same benefits.
Note: High Deductible Plan F is only available if you were eligible for Medicare before January 1, 2020. If you’re new to Medicare, look at High Deductible Plan G instead. Its deductible is $2,950 in 2026, the same as High Deductible Plan F, and once it’s met the plan covers everything regular Plan G does.
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 $2,950 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 $1,736* | You pay $0**** |
| Hospital days 61-90 | You pay $434 per day | You pay $0**** |
| Hospital Days 91-150 | You pay $868 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 $217 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 $283 | 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 ($1,736).
***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 $2,950, before any coverage kicks in.
Next Steps for Medigap Plan F High Deductible
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