Medicare Supplement Quote

Medigap Plan F

One of the favorite Medicare Plans of seniors is the Medigap Plan F. A Medicare Supplement Plan F has been one of the top plans for many years, right up there with Medicare Plan G.  Medicare Plan F does not replace your Medicare Part B.  After you enroll in both Part A and Part B, you are then eligible to sign up for Medicare Plan F.  After you add a Medicare supplement plan (Plan F or Plan G) to Original Medicare it makes your benefits and coverage’s very robust. We here at feel like Medicare Plan F is the Cadillac of Medigap plans. If you compare prices for Medigap Plan F against other supplemental plans, you might be pleasantly surprised at the benefits you get for the price.

Medigap Plan F covers all the gaps in Medicare, including Part A and Part B deductibles. It also provides foreign travel emergency coverage.
Medigap Plan F

The main reason that people like Medicare Plan F are that it pays for EVERYTHING that is not covered by your original Medicare Part A and Part B coverage. Filling in the gaps, including the hospital and outpatient deductible and the 20% that Medicare Part B does not cover, makes it an excellent plan for many individual financial situations. This means there should be no cost or co-pays at the doctor’s office, and you should not have to pay any additional fees beyond your premium for medical or health needs.

Other great Medigap Plan F coverage benefits include:

  • Medicare Part A Coinsurance & Hospital Costs – up to 365 days after Medicare benefits are used up.
  • Medicare Part B Coinsurance or Copayment
  • The First 3 pints of Blood
  • Part A Hospice Care Coinsurance or Copayment
  • Skilled Nursing Facility Coinsurance
  • Medicare Part A Deductible
  • Medicare Part B Deductible
  • Foreign Travel Emergency (with plan limits)

First-Dollar Medicare Coverage

Medicare Plan F policies are often called First Dollar Medicare coverage because after Medicare pays its share of your claims, the plan pays the rest. You have no additional out-of-pocket expenses. Plan F will cover your deductibles for your hospital (Part A) 1,600 for 2023 and your outpatient services (Part B) $226.00 for 2023. Also, Plan F will pay for the 20% that typically is your Medicare cost-sharing portion. Additionally, Plan F will cover the excess charges for Part B. Medicare allows some doctors to charge up to 15% of their fee as an approved extra charge, and Plan F will cover all those charges for you. You may choose your doctor with Plan F, with hundreds of thousands of options. There is no requirement for a referral. Medigap Plan F allows you to see any specialist you would like to look at without requesting a referral from your doctor or waiting for approval. Medigap Plan F has an easy renewal process. Your plan cannot be canceled because of health issues or your claims.

The Cost of Medicare Plan F

The cost for Medicare Plan F can vary because of your location, gender, or tobacco status. Getting an individualized quote for your area and situation is essential. We often see premiums ranging from $120-$200. We are happy to help you with price comparisons for Medigap Plan F options available in your area. Typically a male will have a slightly higher premium than a female with similar geographic and tobacco status. Sometimes people feel like they are paying a Cadillac price for the “Cadillac” of Medigap plans, which can be true. But it can also be true that the cost of Plan F is still a fantastic saving over potential out-of-pocket costs – this is why evaluating your situation is essential.

Often, people with Medicare Plan F are hesitant to change carrier companies because the benefits are so right. There is nothing to fear, though, because Plan F’s benefits with any carrier are the same. The main differences between pages are their ratings and their premium costs. Since the coverage remains the same, you should shop and compare the prices of different carrier companies each year. We would love to help you with price comparisons of Medigap Plan F. Changing insurance companies often requires answering health questions from the new Medigap Supplement F carrier, so work with a reputable agency to discuss your options depending on your location and the companies available.

I heard Medicare Plan F is going away – what is the scoop?

That is true, and Medicare will begin phasing out this plan in 2020 for new enrollees. If you have Plan F before 2020, you can keep it. Also, if you have coverage through your employer but qualify for Medicare before 2020, you can enroll in a Medigap Plan F after 2020. We have more in-depth articles about the phasing out of Plan F here on our website; please read them and let us know any questions you may have. We hope you won’t be worried about the upcoming changes or let them deter you from enrolling in Plan F.  When you compare Medigap Plan F with other Medicare plans; we hope you keep an open mind. We believe enrolling in the best programs for your current financial situation is essential. This is why we recommend you get quotes for several plans and discuss your options. We often find that people are on the wrong strategy for their health and financial needs because they did not compare all of the Plan options with a knowledgeable agent.

Peace of Mind

Medicare Supplement Plan F is a comprehensive plan that gives peace of mind. Many people enjoy having peace of mind about their medical costs when experiencing health issues or even a health crisis. You might be surprised at the affordability of these plans in your area. Medigap Plan F reviews are overwhelmingly positive; people seem to love them! We here at would happily run a free quote for you. Here at Just Medigap, we offer plans from the many carriers with the highest ratings and reviews. There are many options for Medicare Plans, and we are happy to help you sort through your options and find something that fits your personal and financial needs. Wondering where to buy Medigap Plan F? We enjoy teaching people about Medicare and their different options. We would love to help you find the best price and purchase a Medigap Plan F that meets your needs. Plan F is an easy plan and a great starting point for learning about your choices. Need help to decode Medicare? Give us a call; we would love to help you. 352-508-4221