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Medicare Plan F

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See Medicare Supplement Plan F plans in your area

Medicare Supplement Plan F is 1 of only 2 Medicare Supplement insurance plans that cover 100% of Medicare Part B excess charges

This plan may help protect you from additional out-of-pocket expenses if you need treatment that exceeds what Medicare will approve. Plan F is only available to Medicare beneficiaries who were eligible for Medicare before Jan. 1, 2020.

What does Medicare Part F cover?

With Medicare Supplement Plan F, you get the most complete coverage available. First, it includes all the benefits of Medicare Supplement Plans A, B and C. In addition, Plan F provides coverage for skilled nursing facility care, Medicare Part A and B deductibles, and international travel medical emergency help.

Because the plan also covers costs in excess of Medicare-approved amounts, you may have no out-of-pocket costs for hospital and doctor’s office care with this plan.

How does Medicare Supplement Part F work?

Medicare Supplement Plan F offers basic Medicare benefits including:

  • Hospitalization: pays Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
  • Medical Expenses: pays 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 Part A coinsurance

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

  • 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)
  • Skilled nursing facility care
  • Medicare Part A deductible for hospitalization
  • Medicare Part B deductible for medical and hospital outpatient expenses
  • International travel medical emergency help

Plan F also has a high-deductible option. If you choose this option, you have to pay a deductible of $2,370 for 2021 before the plan pays anything. This amount can go up each year.

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

More help choosing the plan that’s right for you

See plans in your area

View plans with their premiums and copays. You can also see if the drugs you take are now covered and what they’ll cost based on your plan choice.

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