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Learn about Medicare Supplement Plan F with SelectQuote
It’s important to know that beneficiaries who became eligible for Medicare enrollment on or after January 1, 2020, aren’t able to buy Medicare Supplement Plan F. Let SelectQuote’s licensed insurance agents help answer your questions about available Medicare Supplement plans.
No obligation to enroll
Understanding Medicare Supplement Plan F
Medicare Supplement Insurance plans, also called Medigap, work alongside Medicare Parts A and B (Original Medicare). Medicare Supplement Plan F (also known as Medigap Plan F) has the highest level of coverage among the standardized Medicare Supplement insurance plans available in most states. Massachusetts, Minnesota, and Wisconsin have their own standardized Medigap plans. Beneficiaries who became eligible for Medicare on or after January 1, 2020, aren’t able to buy Plan F.
What does Medicare Supplement Plan F cover?
Medicare Supplement Plan F is only available to beneficiaries who became eligible for Medicare enrollment before January 1, 2020. For these individuals, Medicare Supplement Plan F covers 100% of Medicare Part A and Part B coinsurance, copayments, and deductibles. Learn more about what Medicare Supplement Plan F covers below.
Covered
Hospital Expenses: 100% Part A Hospital Coverage, including all coinsurance and deductible expenses.
Medical Expenses: Pays 100% of Original Medicare Part B coinsurance (20% of Medicare-approved expenses).
Transfusions: Pays for the first three pints of blood you receive in a medical procedure.
Hospice Care: Pays Original Medicare Part A coinsurance or copayment.
Skilled Nursing: Pays facility care coinsurance.
Part B Deductible: Pays 100% of the Original Medicare Part B deductible for hospital outpatient services and other services and items ($257 in 2025).
Foreign Travel Medical Emergencies: Pays travel-abroad medical emergency expenses (80% of approved costs up to plan limits).
Excess Charges: Pays Original Medicare Part B excess charges.
Preventive Care: Pays Original Medicare preventive costs.
Not Covered
Prescription Drugs: Medicare Supplement Plan F does not cover prescription drugs. However, you can buy an additional Medicare Prescription Drug plan to cover prescription drug costs.
Medicare Changes: Medicare Plan F Availability
As of January 1, 2020, Medicare Supplement Plan F, as well as its high-deductible alternative, are no longer available to purchase. Anyone already enrolled in a Medigap Plan F as of December 31, 2019, was grandfathered in and will be able to continue to use the plan as long as the premiums are paid.
Enrollment Options for Medicare Supplement Plan F
Medicare Supplement Plan F is not available to Medicare beneficiaries who became eligible after December 31, 2019. However, those who became eligible for Medicare before January 1, 2020, are able to keep Medicare Supplement Plan F coverage or enroll in a new Medicare Supplement Plan F.
New to Original Medicare?If you are new to Original Medicare, you won’t be able to enroll in Medicare Supplement Plan F.
I was enrolled in Original Medicare before January 2020.If you were enrolled in Medicare before January 1, 2020, you may still be able to purchase Plan F.
I already have Medicare Supplement Plan F. If you currently have Medicare Supplement Plan F, you can keep it or compare your options and change plans.
Alternative Medicare Supplement Plans to Medigap Plan F
Although Medigap Plan F is no longer available for those who became eligible for Medicare on or after January 1, 2020, there are other supplement plans with similar coverage.
Medicare Supplement Plan G
Medicare Supplement Plan G offers the same basic benefits as Medicare Supplement Plan F. The only difference is that it does not cover the Medicare Part B deductible. Plan G also has a high-deductible plan option. With a high-deductible plan, you must pay for Medicare-covered expenses—copayments, coinsurance, and deductibles—up to the deductible amount of $2,870 in 2025 before your plan pays for anything.
Ready to get started? Let us shop Medicare Supplement plans for you.
Save yourself the time and hassle of comparing Medicare plans on your own by working with SelectQuote. Our licensed insurance agents can help you understand your Medicare Supplement plan options.
No obligation to enroll
How much does Medicare Supplement Plan F cost?
Monthly premiums are set by the private insurance companies that offer Medicare Supplement Insurance plans and are based on factors like location, age, health status, gender, and various other factors. Depending on these factors, insurance companies may charge different premiums for the same Medicare Supplement Plan F.
How Pricing Works For This Plan
Pricing for Medicare Supplement Plan F varies by insurance carrier. Medigap policies can be priced in three ways: community-rated, issue-age-rated, and attained-age-rated.- Community-Rated: Generally, for community-rated policies, the same monthly premium is charged to everyone who has the Medigap plan, regardless of age. Premiums may go up because of inflation and other factors, but not because of your age.
- Issue-Age-Rated: For issue-age-rated policies, your premium is based on the age you were when you bought the Medigap plan. Premiums are lowered for people who buy at a younger age and won’t change as you get older. Premiums may go up because of inflation and other factors, but never because of your age.
- Attained-Age-Rated: The premiums for attained-age-rated policies are based on your current age, with your premiums increasing as you get older. Premiums are lower when you are younger, but will continually increase as you age. Premiums may also increase because of inflation or other factors.2
FAQs About Medicare Supplement Plan F
Have questions about Medicare Supplement Plan F? Here are answers to common questions:
What are the benefits of having Medicare Supplement Plan F?
Medicare Supplement Plan F pays for all the gaps in Original Medicare. Not only does it cover your Medicare Part A and Part B deductibles and your coinsurance, but it also covers Medicare Part B excess charges, meaning you’ll have no out-of-pocket costs when you visit the doctor. Remember that Medicare Supplement Plan F is no longer available for those who became eligible for Medicare enrollment on or after January 1, 2020.
How can I lower the costs of my Medigap Plan F?
Since the cost of Medigap plans varies by company, it’s important to shop around. By working with SelectQuote, we can compare Medicare Supplement plan options available to you to find the right plan at a price that fits your budget.
Do Medigap plans vary by state?
Medigap plans are standardized, meaning they offer the same benefits across most of the states, except for Wisconsin Medicare Supplement Plans, Minnesota Medicare Supplement Plans, and Massachusetts Supplement Plans.
Do Medicare Supplement plans cover pre-existing conditions?
While insurance companies can’t make you wait for your coverage to start, they may make you wait for coverage for a pre-existing condition. Coverage for pre-existing conditions can be excluded if the condition was treated or diagnosed within six months before the coverage starts under the Medicare Supplement plan. After the six-month period, the Medicare Supplement plan will cover the condition that was previously excluded.However, it is possible to avoid or shorten the waiting period for a pre-existing condition if you buy a Medicare Supplement plan during your Medigap Open Enrollment Period to replace the “creditable coverage” Medigap plan.³
Compare Medicare Supplement Plans
If you cannot enroll in Medicare Supplement Plan F, a variety of other Medicare Supplement plans are available. Learn more about other standardized Medicare Supplement plans below.
Find the Right Medicare Supplement Plan For You With SelectQuote
It can be hard to determine what Medicare plan is best for you, your healthcare needs, and your budget. At SelectQuote, we’ll take the time to learn about your specific needs to shop and compare Medicare Supplement plans that may be available in your area. The service is free and there’s no obligation to enroll.
No obligation to enroll
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