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What Is Medigap Plan F?

By Zawn Villines
Many Americans struggle with debt because of medical expenses, and sometimes Medicare assistance is just not enough. This is why many folks are turning to Medigap Plan F—but what exactly is it?

Qualifying for Medicare can relieve the financial burden of funding costly healthcare. But for many, Medicare is not enough. You may still have copayments, coinsurance, and a deductible to meet, on top of your Medicare premiums. Medigap supplement insurance can cover a portion of these expenses, but the coverage you get depends on the plan you choose. So what is Medigap Plan F, and how does it compare to other plans? Here’s what you should know. 

What Does Medigap Plan F Offer? 

Medigap is private insurance that supplements your Medicare coverage, according to the Centers for Medicare and Medicaid Services. 

Medigap Plan F offers the most comprehensive coverage of any Medigap policy. In some states, it’s also available as a high deductible plan that may save you money on monthly premiums. 

Medigap Plan F is one of the only plans that will cover your Medicare Part B deductible. It also covers your Part A deductible and the Medicare excess charge, which happens when a doctor is allowed to charge more than the amount Medicare covers. 

In addition to helping fund these out-of-pocket expenses, Medigap Plan F covers some additional services that Original Medicare won’t pay for. These include: 

  • Up to 80% of foreign travel exchange
  • Care in a skilled nursing facility, such as a nursing home or assisted living community
  • The first three pints of a blood transfusion
  • Up to an additional 365 days of hospital-related coinsurance costs beyond what Medicare will pay 
  • Part A copayment or coinsurance for hospice care 

Medigap Plan F is different from Medicare Advantage, which is private insurance that covers many of the same services as Original Medicare, plus some additional services. Medigap does not cover things like hearing aids, foot care, or alternative medicine, though many Medicare Advantage plans do. 

If you have a Medicare Advantage plan, you are not eligible for Medigap policies. You are also only eligible for Medigap Plan F if you first became eligible for Medicare before January 1, 2020. 

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Interested in learning more about Medicare, Medigap, and Medicare Advantage plans? WebMD Connect to Care Advisors may be able to help.