Medicare Supplement Plan F

Most Medicare members when looking for a new Medicare Supplement plan or company, will typically choose a Medicare Supplement Plan F, or what some call, a Medigap Plan F.  You cannot find a more comprehensive benefit plan or one with better access to physicians and hospitals.  A Medicare Supplement Plan F has it all.  Literally 100% coverage for all medicare approved services for inpatient and outpatient care.

Medicare Supplement Plan F Covers …
  • Hospital Benefit Period Deductible – $1,288.  $289 per day for days 61-90 of each benefit period.  $578 per “lifetime reserve day” after day 90 of each benefit period.
  • Outpatient and Doctor Deductible – $166.  20% of all outpatient care after $166 deductible.
  • Skilled Nursing Facility – $0 for the first 20 days each benefit period.  $144.50 per day for days 21-100 each benefit period.  All costs for each day after day 100 in a benefit period.
  • Home Health Care – 20% of the Medicare-approved amount for durable medical equipment.
  • Blood – In most cases, the hospital gets blood from a blood bank at no charge, and you won’t have to pay for it or replace it. If the hospital has to buy blood for you, you must either pay the hospital costs for the first 3 units of blood you get in a calendar year or have the blood donated.

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Medicare Supplement Plans D, F & G …  Medicare Supplement Plan F, is by far the most popular plan nationally.  Although there are many other very popular plans as well.  Medicare Supplement Plan G for example, is identical to Plan F, except with Plan G you are responsible for the Medicare Part B annual deductible of $166.

So if the annual premium savings between the two plans is more the $166 deductible, a Plan G may make perfect sense on a purely cost savings angle.  Remember the only difference is with Plan G you must pay the $166 Part B annual deductible, other than that the plans are identical.

Another plan to compare is Plan D.  D provides the same benefits as F, except Plan D does not cover the Medicare Part B annual deductible of $166, just like plan G.  Also you will be responsible for any Excess Charges, from a doctor who does not accept the Medicare Assignment.  They can charge you an additional 15%, actually it is more like 10% once the discounted fee is adjusted be Medicare.

If you are the type of person who does not want to pay a dime when they go to the doctor or hospital, then the Plan F is for you.  If you don’t mind a little “out-of-pocket” expenses occasionally, with a lower monthly premium, then you should look into both Plans D and G.

Travel Insurance – Trip cancellation, medical coverage and emergency evacuation while traveling abroad – Medicare provides no coverage outside the U.S.  Click here!

Feel free to use this site as a resource, and please feel free to call anytime with questions.

John Conner

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Author: John

Medicare Options along with Individual and Group International Medical Insurance Options.