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What Is Medigap Plan F?

Medigap Plan F is commonly known as the most thorough Medicare Supplement plan available in North Carolina. It covers both Medicare deductibles and all of your coinsurance and copays, which means no out-of-pocket costs.

HealthPlans of NC

Health Plans of NC, Kelly Quinn

To be eligible for a Medigap Plan F plan, you need to enroll in both Medicare Part A, and Medicare Part B. Medigap Plan F offers you the most benefits out of all the Medicare Supplement policies.

Note:  Not everyone can enroll in Plan F.  As of January 1, 2020, Plan F is no longer available to people new to Medicare. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be eligible to buy Plan F.

What you get with Medigap Plan F

The specific benefits of Medigap Plan F include:

Medicare Part A 

  • Coinsurance and hospital costs (up to an extra 365 days after using your Medicare benefits)

  • Hospice care copayment

  • Deductible

Medicare Part B

  • Copayment

  • Deductible

  • Excess charges


  • Your first three pints of blood when you require a medical procedure

  • Coinsurance for skilled nursing facility care 

  • Foreign travel emergency (up to plan limits)

Why choose Medigap Plan F?

Medigap Plan F pays for all the gaps of Original Medicare, including your hospital and outpatient deductible. In addition, it bears the 20% Medicare Part B doesn’t cover, which means you’ll have no copays when you visit your doctor. 

Zero out-of-pocket costs mean you’ve got peace of mind accessing health care treatments, knowing you won’t face any additional charges. So it’s easy to understand why Plan F Medigap is so popular with North Carolina residents.

Average cost of Medigap Plan F

Costs for Medigap Plan F vary depending on where you live, your gender, and whether you’re a smoker. In North Carolina, the average price per month is approximately $154. To find quotes for where you live in North Carolina, get in touch with our local and experienced health insurance agents.

Can I choose my insurance provider?

Yes, many insurance providers offer Medigap Plan F so that you can choose one that’s right for your budget. All providers offer the same benefits, but the plan costs can vary, so getting quotes for your local area is essential. Because the coverage of Medigap Plan F is so good, most people keep their plan for years.

Help to get the right cover for your needs

Medigap Plan F offers you the most extensive coverage for North Carolina residents looking for a Medicare Supplement Plan. It’s a simple policy that’s easy to understand, and all providers offer the same benefits. If you need help answering any questions relating to Medicare Supplement plans, including Medigap Plan F vs G, then we can help. Don’t search for ‘Medigap brokers near me’, just get in touch with our local Medicare agents today

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Ready to get started?

See plans and pricing today.