What is Medigap High F?

Medigap High-F explained

by Amy De Vore+ on Dec 08, 2016 | 14 Comments

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Medigap Plan High-F is a type of Medicare Supplement insurance that covers everything that traditional Medigap F covers, but with, you guessed it, a high deductible ($2,300). Why would you want that and how Medigap High F works is explained below. 

Medigap High-F Coverage

High F,  just like the traditional Medigap Plan F, covers the following:

  • An additional 365 days of hospitalization
  • Hospitalization coinsurance
  • Part A & B deductibles
  • Hospice and Skilled Nursing coinsurance
  • First 3 pints of blood from a transfusion
  • Part B excess charges and coinsurance
  • Foreign emergency healthcare

Click here to get a Medigap Plan High F cost breakdown.

High-F Network

Medigap High-F plans have the largest nationwide network of doctors and hospitals, because they have the same network as Original Medicare.

Medigap High-F Costs

Medigap High-F have low monthly premiums due to the high deductible that must be met before Medigap pays toward your services. The exact cost of your premium will depend on which Medigap insurance provider you choose. Remember, usually the lowest priced plan is the one you should go for. Here are other tips on choosing a Medicare Supplement plan.

To apply or get a Medigap High-F quote call 800-930-7956.

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Reader Comments and Questions

By Eugene on April 05, 2019

Hello, I am turning 66 in a couple weeks. I have not enrolled in Medicare part B because I am still working and covered under a plan with the school district I work for. I am thinking about retiring by 09/01/2019. It is my understanding that there is no penalty because I am still covered under my employer. It is also my understanding I would not have to be subject to underwriting with a medigap plan, as long as I get a medigap plan as soon as I sign up for Medicare Part B.when should I contact social security and sign up for Part B. My wife has United American Insurance company..Plan F and is very happy with it .I don't think I want an advantage plan. Thank you, Eugene

Hi Eugene,
You are right in saying that you will not be subject to penalties or medical underwriting when you leave your work coverage to enroll in Medicare.

You will want to start the special enrollment process for your Medicare Part B a few months before your desired start date. Medicare should allow you to pick your start date in the future so you can time it to match when your work coverage ends.

After you enroll in Medicare we would love to help you enroll in your Medigap plan so please give us a call!
-Michelle from Senior65.com

By John on November 07, 2017

on plan F hi deductible does the amount you pay each month for medicare count as part of the deductible?

The monthly premium for Medigap plan F high deductible does not go towards the annual deductible.

Hope that helps. Call us if you want to review prices.
-Eric from Senior

By S. Preston on January 01, 2017

non smoker 74 year old female enrolling in medicare B in March during special enrollment period since covered by employer health until that time want quote for medicare supplement F high deductible in Florida

S. Preston,
We'd be happy to help! You can get a Medigap quote here, but remember not all companies are listed. For a comprehensive list of plans in your area call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from https://www.senior65.com/

By Wenmay on October 26, 2016

Which Medigap insurers are most popular or highest rated? Which ones are most widely accepted? Or are all accepted by all medicare accepted providers?

Thank you for your questions! Good news is: all Medigap plans (except for Medigap Select) are accepted anywhere that accepts Medicare assignment.And, we'd be more than happy to find the best plan for you in your area. Please contact one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By DAVID RUTHMANSDORFER on October 25, 2016

Question - I shopping for a medicare supplement plan and I am hearing impaired. Therefore, it is extremely difficult for me to talk to an agent over the phone. I'm trying to find a company that will share costs of all of their plans in writing. I am particularly interested in Plan F - high deductible. Can you point me in the right direction?

We at Senior65 are licensed independent insurance agents. We are happy to help you through our chat system at the bottom of our page, or by email. Please reach out that way and we can send more information your way.
-Chris from https://www.senior65.com/

By Ron on October 04, 2016

Do Medicare deductibles( $166 and $1288) count in the calculation of Plan Hi F deductible( out of pocket cost)?

Anything you pay toward your Medicare costs, including Part A and B deductibles, copays, and coinsurance, count toward your Medigap High F deductible. If you're looking for a High F in your area, give one of our Senior65 licensed independent insurance agents a call at 800-930-7956.
-Michelle from https://www.senior65.com/

By Curtis on April 06, 2016

I'm turning 65 in May and don't know what to do. The High F premium is so much cheaper than F, and i could save a lot each year. oNly thing is I had a cancer 3 years ago, and if it comes back High F doesn't seem to save me money. What do you suggest?

If you were to have a serious illness or injury, Medigap High Deductible Plan F usually will cost you a lot more than a traditional Medigap F. However, if you're looking to save some dough each month, and still have substantial coverage, I suggest you consider Medigap Plan Gor Medigap Plan N. With both of these you'll have some out of pocket costs, but usually you can save quite a bit each month that might make it worth it. To find out which Medigap plan is right for you, call one of our licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By LK on March 15, 2016

What about dental and vision care ... are those covered under F?

Medigap plans do not cover routine dental and vision care. You can get a senior dental and vision quote here. Call 800-930-7956 for any further assistance.
-Eric from https://www.senior65.com/

By Lucille Farrington on March 15, 2016

Can a Medicare Medical Savings Account be used to pay the high deductible Plan F Deductible?

Not sure I totally understand your question. The reason I say that is, you cannot have a Medicare Savings Account and Medigap at the same time. If you're looking to use an old Medicare Savings Account to pay for medical expenses, you can do that. Please call 800-930-7956 if you're looking to switch from MSA to Medigap.
-Chris from https://www.senior65.com/

By Carol Lee Kessel on January 26, 2016

I do not see where Barbara's question from above on 9/29/15 was ever answered. All that was responded to by Chris is what the plan pays after deductible is met. She and I both want to know if the $100 in her example is used in the "towards deductible" calculation or if only part of that amount goes towards the deductible. Thank you.

Thank you for clarifying. If you were to go to a doctor and it costs $100, Medicare would pay $80 and you pay $20. Only the $20 would count toward your deductible. Click here for more Medigap High F details. Please let us know if you have any further questions.
-Chris from https://www.senior65.com/

By Roger on January 18, 2016

Two questions... 1.) If I sign up for Plan F High Deductible now, and down the road (when I am older) can I easily switch to the no deductible Plan F, or are there all sort of qualifications when one does that? 2.) If a person has to go to a skilled nursing home for a while, after taking a fall or something, regular Medicare only pays the first 20 days. I "think" after the 20 days, I pay $160 per day for the next 80 days. After 80 days, I must wait 60 days to cycle back to a new 100 day period. (do I have this correct?) If I have Plan F (no deductible or high deductible) how does this 60 day cycling period work? Thanks!

Thank you for your questions.

1) In most states, if you apply to switch from High F to Medigap Plan F down the road you will have to answer medical questions. Many of our clients are approved, however, some of our clients have been denied or charged more due to preexisting conditions. Therefore, we suggest enrolling in the plan you would want and could if you were to have a serious illness or injury.

2) You are correct, that the first 20 days are at $0, however, you MUST have a 3-day qualifying stay in the hospital, and must pay your Part A deductible, to qualify for SNF care. After the 100 days, you are on your own until the new benefit period, whether you have Original Medicare or Medigap High F or Plan F.

-Eric from https://www.senior65.com/

By Elizabeth on January 17, 2016

My husband and I have Plan F. We are thinking about changing to a high deductible Plan F. Assuming that evidence of insurability would be required, is there a specific time period during which we could apply with a insurer to change to a high deductible Plan F?

You can apply to switch your Medigap policy at any time. However, in most states, you will have to answer medical questions and could be denied. Make sure you don't cancel your Medigap Plan F policy until you are approved for High F. If you would like help signing up, please call one of licensed insurance agents at 800-930-7956.
-Chris from https://www.senior65.com/

By Martin on November 16, 2015

The question Barbara asks if the doctors visit is a $100. And she pays 20% ,what part goes towards her deductible of $2180. The answer is not clear.

Thank you for the follow up. Only the 20% coinsurance would go toward the High F deductible. Hope this helps!
-Amy from https://www.senior65.com/

By Barbara on September 29, 2015

Thanks for the info. With regard to the deductible of $2180, is that amount reached by the complete medical bill. e.g. If a doctor visit costs $100, Medicare will pay $80 and I pay $20. Does the entire $100 go into the calculation to arrive at the deductible of $2180?

Great Question. Under Medigap Plan F high deductible, the member has to pay $2180 first before plan pays towards costs.

Here is a quick breakdown of benefits:

Office Visit
No charge after Plan Deductible

Emergency Room
No charge after Plan Deductible

Ambulance Services
No charge after Plan Deductible

Urgent Care
No charge after Plan Deductible

Outpatient Surgery
No charge after Plan Deductible

Outpatient Lab/X-Ray
No charge after Plan Deductible

No charge after Plan Deductible for Days 1-60;
No charge after Plan Deductible for Days 61-90;
No charge after Plan Deductible for Days 91-150
No charge after Plan Deductible for Additional 365 days

Outpatient Rehabilitation Services
No charge after Plan Deductible

Foreign Travel Emergency
Up to $50,000 after Plan Deductible

Skilled Nursing Facility
No charge after Plan Deductible

Home Health Care
No charge after Plan Deductible

No charge after Plan Deductible
-Chris from www.senior65.com

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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