Medigap Plan F: Comprehensive Coverage for Eligible Medicare Beneficiaries

Medigap Plan F is a Medicare Supplement plan that provides the most extensive coverage available, helping pay for gaps in Original Medicare (Parts A and B). However, it is no longer available to new Medicare enrollees.

Important Note: As of January 1, 2020, Plan F is no longer available to anyone newly eligible for Medicare. If you were eligible for Medicare before January 1, 2020 (even if you delayed enrollment), you may still qualify to purchase Plan F.

Eligibility for Medigap Plan F

To enroll, you must be enrolled in both Medicare Part A and Part B. If you became eligible for Medicare on or after January 1, 2020, Plan F is not an option—consider Plan G or other Medigap plans instead.

What Medigap Plan F Covers

Plan F includes the following benefits:

• Medicare Part A:

  • Coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are exhausted)

  • Hospice care coinsurance or copayment

  • Part A deductible

• Medicare Part B:

  • Coinsurance or copayment

  • Part B deductible

  • Part B excess charges (up to 15% extra if a provider doesn’t accept Medicare assignment)

• Other:

  • First 3 pints of blood

  • Skilled nursing facility care coinsurance

  • Foreign travel emergency coverage (up to plan limits, typically 80% after a $250 deductible, with a $50,000 lifetime maximum)

With Plan F, you have little to no out-of-pocket costs for covered services, offering peace of mind and predictable expenses.

Why Choose Medigap Plan F?

Plan F covers nearly all Original Medicare gaps, including hospital and outpatient deductibles and the 20% Part B coinsurance. This means no copays for doctor visits and maximum financial protection. It remains a popular choice for those who qualify, especially in North Carolina, due to its comprehensive benefits.

Average Cost of Medigap Plan F

Premiums vary by location, age, gender, tobacco use, and insurer. In North Carolina, the average monthly premium for Plan F is approximately $154 (as of recent data). Actual quotes depend on your specific details—our local agents can provide personalized rates.

Choosing Your Insurance Provider

Many insurers offer Plan F, all with identical benefits (standardized by Medicare). The only difference is the monthly premium. Comparing quotes from multiple providers is key to finding the best value.

Need Help with Medigap Plan F or Alternatives?

If you’re eligible for Plan F or exploring options like Plan G, our experienced North Carolina Medicare agents can help compare plans, explain differences (e.g., Plan F vs. G), and guide you through enrollment.