Medigap Plan F is the most comprehensive Medigap plan offered. It covers almost all of your Medicare Part A and Part B costs, meaning you’ll owe very little out of pocket for healthcare services.
Private insurance companies offer Medigap as an add-on to Original Medicare coverage. The purpose of having a Medigap plan is to help cover the out-of-pocket costs of Medicare, such as deductibles, copayments, and coinsurance.
Insurance companies can offer 10 Medigap plans: A, B, C, D, F, G, K, L, M, and N.
Medigap Plan F, also called Medicare Supplement Plan F, may be a good option if you:
- require frequent medical care and visit the doctor often
- require financial assistance with nursing care or hospice care
- travel out of the country often but don’t have traveler’s health insurance
However, Medigap Plan F is no longer offered to new Medicare enrollees.
If you are enrolled in Medigap Plan F, you are responsible for the following costs:
- Monthly premium: Each Medigap plan has its own monthly premium, depending on your chosen plan and the company you purchase it through.
- Yearly deductible: While Medigap Plan F has no yearly deductible, Medicare Part A and Part B do. However, Medigap Plan F covers 100% of the Part A and Part B deductibles, unlike other Medigap plan options.
- Copayments and coinsurance: Medigap Plan F completely covers all your Part A and Part B copayments and coinsurance, resulting in almost $0 in out-of-pocket costs for medical or hospital services.
Plan F monthly premiums
If you enroll in a Medigap plan, you’ll have to pay a monthly premium. This will be in addition to your Medicare Part B monthly premium.
Plan F deductibles
Medigap Plan F also includes a high deductible option available in many areas. With this plan, you’ll owe an annual deductible of $2,870 before Medigap pays out, but the monthly premiums are usually much less expensive.
High deductible Medigap Plan F is a great option for people who prefer to pay the lowest monthly premium possible for this coverage.
Here are a few examples of Medigap Plan F premiums for 2025 in different cities nationwide for both standard and high deductible F plans:
| City | Plan option | Monthly premium |
|---|---|---|
| Los Angeles, CA | standard deductible | $178 to $1,368 |
| Los Angeles, CA | high deductible | $34 to $297 |
| New York, NY | standard deductible | $392 to $898 |
| New York, NY | high deductible | $74 to $122 |
| Chicago, IL | standard deductible | $138 to $1,065 |
| Chicago, IL | high deductible | $43 to $199 |
| Dallas, TX | standard deductible | $128 to $883 |
| Dallas, TX | high deductible | $37 to $242 |
Plan F copays and coinsurance
Plan F covers copays and coinsurance associated with Medicare parts A and B. If you have a Plan F policy, you won’t be responsible for these costs.
Plan F out-of-pocket costs
There are some things that Medigap typically doesn’t cover, although this can vary by policy. When a service isn’t covered, you’ll need to pay the cost out of pocket.
Some examples of services that often aren’t covered in Medigap policies are:
- long-term care
- dental
- vision, including eyeglasses
- hearing aids
- private nursing care
Unlike other Medigap plans, Plan F doesn’t have an out-of-pocket limit.
Medigap Plan F is the most comprehensive of the Medigap plan offerings, covering almost all of the costs associated with Medicare parts A and B. All Medigap plans are standardized, meaning the coverage offered must be the same from state to state (except Massachusetts, Minnesota, or Wisconsin).
Here’s what Medigap Plan F covers:
- Part A coinsurance and hospital costs
- Part A hospice care coinsurance or copayments
- Part A nursing facility care coinsurance
- Part A deductible
- Part B coinsurance or copayments
- Part B deductible
- Part B excess charges
- blood transfusions (up to 3 pints)
- 80% of foreign travel costs
Medigap Plan F has no out-of-pocket limit and does not cover Medicare Part A and Part B monthly premiums.
As noted, all Medigap plans are standardized by law — except if you live in Massachusetts, Minnesota, or Wisconsin. In these states, Medigap policies are standardized differently, so you may not be offered the same coverage with Medigap Plan F.
If you already have Medicare Advantage, you may consider switching to Original Medicare with a Medigap policy. Previously, anyone enrolled in Original Medicare could purchase Medigap Plan F. However, as of January 1, 2020, Medigap Plan F is only available to those who were eligible for Medicare before 2020.
You can keep the plan and the benefits if you are already enrolled in Medigap Plan F. Also, if you were eligible for Medicare before January 1, 2020, but missed the enrollment, you may still be eligible to purchase Medigap Plan F.
If you are planning to enroll in Medigap, there are certain enrollment periods that you should take note of:
- Medigap open enrollment: Thisruns for 6 months from the month you turn 65 years old and enroll in Medicare Part B.
- Medigap special enrollment: This is for people who may qualify for Medicare and Medigap before age 65 years, such as those with end stage renal disease (ESRD) or other preexisting conditions.
Other options if you cannot enroll in Medigap Plan F
If you were already covered by Medigap Plan F or eligible for Medicare before January 1, 2020, you can keep or buy this plan. If not, you’ll likely consider other plan offerings, as Medigap Plan F is no longer offered to new Medicare beneficiaries.
Here are a few Medigap plan options to consider if you are not eligible to enroll in Plan F:
- Medigap Plan G: Plan G is the closest Medigap offering to Medigap Plan F, differing only because it doesn’t cover the Part B deductible. However, since Medigap plans sold to new beneficiaries are no longer allowed to cover this deductible anyway, this plan is technically the “new” Medigap Plan F.
- Medigap Plan D: This plan is a step down from Plan G because it does not cover the Part B excess charge. While not all healthcare professionals include an excess service charge, it can add up quickly if your doctor chooses to.
- Medigap Plan N: This plan is very similar to Plan D. But with Plan N, you may still be responsible for paying copayments for certain office and emergency room visits. You can find more information on how these two plans compare here.
Private insurance companies sell Medigap policies. You can use Medicare’s search tool to find out which plans are offered in your area.
You’ll need to enter your ZIP code and select your county to see available plans. Each plan will be listed with a monthly premium range, other potential costs, and what is and isn’t covered.
You can also look at the companies that offer each plan and see how they set their monthly premiums. Because the cost of a Medigap policy can vary by company, it’s very important to compare several Medigap policies before selecting one.
It is important to note that during the Medigap open enrollment period, you cannot be denied a Medigap policy for preexisting health conditions. Outside of the open enrollment period, though, insurance companies can deny you a Medigap policy because of your health, even if you qualify for one.
That’s why it’s in your best interest to enroll in Medicare Supplement Plan F as soon as possible if you still qualify.
Medigap Plan F is a comprehensive Medigap plan that helps cover your Medicare Part A and Part B deductibles, copayments, and coinsurance. Medigap Plan F benefits low-income beneficiaries who require frequent medical care or anyone looking to pay as little out-of-pocket as possible for medical services.
Since Medigap Plan F is no longer offered to new enrollees, Medigap Plan G offers similar coverage without covering the Part B deductible.
If you’re ready to enroll in a Medigap plan, you can use Medicare’s website to search for policies near you.