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Medicare Supplement Plan F

Medicare Supplement Plan F is one of the standardized Medicare Supplements plans available in 47 states of the United States, except in Massachusetts, Minnesota, and Wisconsin. In other words, the Plan F that’s offered in one state provides the same coverage as the Plan F that’s offered in another state, regardless of the carrier. However, if you’re living in any of the three states mentioned above, you will have to buy a different form of coverage as they do not offer this plan.


Medicare Supplement Plan F is also known as the premium-only plan because policyholders only pay the monthly premium. The plan covers all other expenses approved Medicare Part A and B out-of-pocket costs. 

Medicare Supplement Plan F is the most comprehensive Medicare Supplement plan because it provides full coverage after Original Medicare pays its portion. It can also be termed as the plan with the first-dollar coverage because you receive coverage from the first dollar you pay. Since all Medigap plans pay secondary to Original Medicare, your Medicare Supplement Plan F pays the remaining costs after Original Medicare covers its portion of your healthcare expenses, leaving you with no expense to pay for. Monthly premiums, however, are usually higher than those of other Medigap plans.

Medicare Supplement Plan F Covers The Following:

  • Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

  • Medicare Part A hospice care coinsurance or copayment

  • Medicare Part A deductible

  • Medicare Part B coinsurance or copayment

  • Medicare Part B deductible 

  • Medicare Part B excess charges

  • The first three pints of blood 

  • Foreign travel emergency medical costs (80%)

  • Skilled nursing facility care coinsurance

  • Medicare preventive care Part B coinsurance

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Medicare Supplement Plan F May Seem Ideal For The Following Categories Of Persons:

  • Those who go for doctor and hospital visits frequently

  • Those who live in a state that allows excess charges

  • Those who travel out of the U.S. often

Note that Plan F is no longer available to newly eligible clients for Medicare on or after January 1, 2020. However, those eligible for Medicare before January 1, 2020, can still enroll in or change to a Plan F if they so desire. Also, beneficiaries who already had Plan F before January 1, 2020, can continue with Plan F.

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Top 5 Medicare Mistakes to Avoid! 

Medicare is complicated and making the wrong decision can be costly. We have put together a FREE resource guide covering the Top 5 Medicare mistakes and how to avoid them. Here is what you will learn in this educational resource: 


  • Proven Steps to Achieve Medicare Success

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  • And More…


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Our personalized expert guidance is FREE of charge so that you can save time and money! And even better, when you take care of your Medicare plan enrollment with us, we make a donation to Operation Underground Railroad, which is pioneering the fight against Human Sex Trafficking.

The Your Local Medicare

Help Save the Children Fund

For every person we help enroll into a Medicare plan we donate to this fund.


Top 5 Medicare Mistakes to Avoid

Avoid Common Pitfalls People Make

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