Medicare Supplement Insurance Plan F

Plan F covers the most benefits compared to all other Medicare Supplement Insurance plans. Depending on the state where you live, you could get 6% off your monthly premium if you enroll online. (Discount not available in CA, CT, OH and PA.)

Note: Plan F is only available to Medicare beneficiaries who were eligible for Medicare before Jan. 1, 2020.

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What does Medicare Supplement Insurance Plan F cover?

With Medicare Supplement Plan F, you get the most complete coverage available. And because Plan F also covers costs in excess of Medicare-approved amounts, you may have no out-of-pocket costs for hospital and doctor’s office care.

Medicare Supplement Plan F offers Medicare benefits including:

Hospitalization: pays Medicare Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
Medical expenses: pays Medicare Part B coinsurance—generally 20% of Medicare-approved expenses—or copayments for hospital outpatient services
Blood: pays for the first 3 pints of blood each year
Hospice care: pays Medicare Part A coinsurance

In addition to the basic benefits, Plan F also provides coverage for:

Medicare Part A and Part B deductibles
Skilled nursing facility care coinsurance
Medicare Part B excess charges (this is the difference between what a doctor or provider charges and the amount Medicare will pay up to Medicare's limiting amount)
Foreign travel emergency medical help (up to plan limits)

Plan F also has a high-deductible plan option. With this option, you must pay for Medicare-covered costs (coinsurance, copayments and deductibles) up to the deductible amount of $2,800 in 2024 before your plan pays anything. You must also pay a separate deductible ($250 per year) for foreign travel emergency services.

High-deductible policies have lower premiums, but if you need to use your benefits, you may have higher out-of-pocket costs.