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Medicare Plan F

 

Medigap Plan F is the only Medicare Supplement insurance plan that covers BOTH YOUR Part B Medicare deductible and Medicare “excess charges.”  An excess charge is the difference between what a doctor or provider charges and the amount Medicare will pay.  Because Plan F covers costs in excess of Medicare-approved amounts, you will likely have no out-of-pocket costs for hospital and doctor's office care with this plan.

 

 

 

 

Medigap Plan F covers:

 

• Basic benefits including:

1. Hospitalization: pays Part A coinsurance plus coverage for 1 year after Medicare benefits end

2. Medical Expenses: pays Part B coinsurance – generally 20% of Medicare-approved expenses – or copayments for hospital outpatient services

3. Blood: pays for the first three pints of blood each year

 

• Skilled nursing facility care

• Medicare Part A deductible for hospitalization

• Medicare Part B deductible for medical and hospital outpatient expenses

• Medicare Part B excess charges

• Travel-abroad medical emergency help

 

 

Plan F provides the alternative for a high deductible plan. If a patient chooses this option, they will continue the first $2,000 in health care cost before the plan will begin coverage. This option can lower premiums considerably, as rates for Plan F are among the highest for the supplemental Medicare plans.

 

 

Medicare Supplement Plan F is the chosen plan among the majority of seniors who are enrolling in Medicare for the first time. It is the only Medicare Supplement insurance plan that covers both Part B Medicare deductible and Medicare “excess charges.”  The plan covers costs in excess of Medicare-approved amounts.

 

Medicare Supplement Plan F will help protect you from additional out-of-pocket expenses when you need treatment that exceeds what Medicare approves. Medigap Plan F also is the only Medicare Supplement plan that offers a high-deductible option to help lower your cost even more.