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Medicare Plan F

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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 Plan 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 Plan 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 $2,490 for 2022 before the plan pays anything. This amount may increase 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

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