Medicare Supplement Plan F: Comprehensive Coverage Overview
What is Medicare Supplement Plan F?
Medicare Supplement Plan F (Medigap Plan F) is the most comprehensive Medigap plan, covering all out-of-pocket costs that Original Medicare (Part A & Part B) does not pay. This means zero out-of-pocket expenses for covered services.
What Does Plan F Cover?
✅ 100% Coverage of:
- Medicare Part A Deductible ($1,632 per benefit period in 2024)
- Medicare Part A Coinsurance & Hospital Costs (beyond 60 days)
- Medicare Part B Deductible ($240 in 2024)
- Medicare Part B Coinsurance & Copayments (typically 20%)
- Medicare Part B Excess Charges (some doctors charge above Medicare rates)
- Skilled Nursing Facility (SNF) Coinsurance
- Foreign Travel Emergency Coverage (80% up to plan limits)
- First 3 Pints of Blood
�� With Plan F, you pay $0 for hospital or doctor visits after your monthly premium.
Who Can Enroll in Medicare Supplement Plan F?
As of January 1, 2020, Plan F is only available to Medicare beneficiaries who became eligible for Medicare before January 1, 2020.
- ✅ You Can Enroll If: You turned 65 or qualified for Medicare before 2020.
- ❌ You Cannot Enroll If: You became eligible for Medicare on or after January 1, 2020.
�� If you are not eligible for Plan F, the closest alternative is Medicare Supplement Plan G, which covers everything except the Part B deductible.
Average Monthly Premiums for Plan F by Age (2024 Estimates)
Premiums vary based on state, gender, tobacco use, and pricing method (community-rated, issue-age-rated, or attained-age-rated). Below are estimated national averages:
| Age | Average Monthly Premium for Plan F |
| 65 | $180 – $280 |
| 66 | $185 – $290 |
| 67 | $190 – $300 |
| 68 | $195 – $310 |
| 69 | $200 – $320 |
| 70 | $210 – $340 |
| 71 | $220 – $360 |
| 72 | $230 – $380 |
| 73 | $240 – $400 |
| 74 | $250 – $420 |
| 75 | $260 – $440 |
| 76 | $275 – $460 |
| 77 | $290 – $480 |
| 78 | $305 – $500 |
| 79 | $320 – $520 |
| 80 | $340 – $550 |
| 81 | $360 – $580 |
| 82 | $380 – $600 |
| 83 | $400 – $620 |
| 84 | $420 – $640 |
| 85 | $440 – $660 |
�� Premiums increase with age under most plans, except community-rated policies, which charge the same price regardless of age.
Is Plan F Worth It?
✅ Pros:
- No out-of-pocket costs for covered services.
- Covers Part B excess charges, unlike Plan N.
- Best for those who want no medical bills and see doctors frequently.
❌ Cons:
- High premiums (often $2,500 – $6,000 per year).
- No longer available to new Medicare enrollees after 2020.
- Plan G offers similar coverage (except for the Part B deductible) at a lower monthly cost.
�� Alternative: If you are not eligible for Plan F, or if premiums are too high, consider Plan G for nearly identical benefits with a lower premium.
Final Thoughts: Should You Get Plan F?
- If you became eligible for Medicare before 2020, Plan F provides the most coverage but at a higher cost.
- If you want lower premiums, Plan G may be a better option while offering almost identical coverage.
Would you like help comparing Plan F vs. Plan G rates in your area? ��
