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Medigap Plan F helps to protect you from costly out-of-pocket expenses that regular Medicare might leave you to cover on your own. Enrolling in Medicare supplements can help you live with financial security, even when an unexpected medical emergency occurs.

As the most popular Medicare supplement in the United States, Medigap Plan F is the only plan that will pay for each gap in your Medicare coverage, including hospital and outpatient deductibles and copayments.

Medigap Plan F Benefits and Coverage

Here is a list of all the Medigap benefits you receive with Plan F:

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part B coinsurance or copayment
  • First 3 pints of blood
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Up to 80 percent of foreign travel exchange
  • No out-of-pocket limit

However, one thing to note about Plan F is that it can sometimes be offered as a high-deductible plan. When this option is chosen, you must pay Medicare-covered costs up to the deductible amount of up to $2,180 in 2015 before Plan F covers your costs.  While this may deter some people from this option, consider the benefits of having a Medigap Plan F high deductible option. After your deductible is paid, your Medigap plan will pay 100 percent of covered services for the rest of the calendar year.

Medical expenses are one of the leading causes of bankruptcy in the U.S., risking the financial future of you and your loved ones. High deductible or not, the level of security Medigap Plan F can provide to you and your family is one without a price tag.

HealthMarkets Insurance Agency knows how important your family means to you, and we want to help you with their insurance needs. We can compare Medigap Plan F plans in your area for you to find the right one for your needs.

Best of all, our service is free. So, find one of our licensed agents to get covered today.

HMIA001886

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Sources:

Boomer Benefits: https://boomerbenefits.com/medicare-supplemental-insurance/medicare-supplement-plans/medicare-plan-f/
Medicare: http://www.medicare.gov/supplement-other-insurance/compare-medigap/compare-medigap.html
HealthAffairs: http://content.healthaffairs.org/content/early/2005/02/02/hlthaff.w5.63.full.pdf

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