Medigap High Deductible Plan F in Nevada

📋 Eligibility Notice: High Deductible Plan F, like standard Plan F, is no longer available to those who became eligible for Medicare on or after January 1, 2020. If you were eligible before that date, you may still be able to enroll. If you became eligible after January 1, 2020, High Deductible Plan G is the equivalent option available to you.

What Is High Deductible Plan F?

High Deductible Plan F offers the same comprehensive coverage as standard Medigap Plan F — but with one key difference: you pay all Medicare-approved costs out of pocket until you reach the annual deductible. Once that deductible is met, the plan kicks in and covers 100% of your remaining Medicare-approved costs for the rest of the year, just like standard Plan F.

The High Deductible Plan F annual deductible is $2,950 in 2026 (adjusted annually by CMS). This figure changes each year, so Nevada Medicare reviews this with clients to ensure they always have the most current figures.

How Does High Deductible Plan F Work?

Here’s a practical example of how the plan works:

James has High Deductible Plan F and is hospitalized early in the year. Medicare Part A covers the inpatient stay but applies the Part A deductible, which is $1,736 in 2026. James owes that $1,736 — which counts toward his $2,950 annual deductible. He has $1,214 remaining before full coverage kicks in.

Later in the year, James has outpatient visits and testing that result in additional Medicare cost-sharing. He pays those out of pocket until he reaches the $2,950 limit. After that, High Deductible Plan F covers 100% of his Medicare-approved costs for the rest of the year — just like standard Plan F.

The High Deductible Plan F annual deductible is $2,870 in 2025 (adjusted annually by CMS). This figure changes each year, so Nevada Medicare reviews this with clients to ensure they always have the most current figures.

What Does High Deductible Plan F Cover?

Once the annual deductible is met, High Deductible Plan F covers everything standard Plan F covers:

✅ Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are exhausted)

✅ Medicare Part B coinsurance or copayment

✅ Blood (first 3 pints)

✅ Part A hospice care coinsurance or copayment

✅ Skilled nursing facility coinsurance

✅ Medicare Part A deductible

✅ Medicare Part B deductible

✅ Medicare Part B excess charges

✅ Foreign travel emergency (up to plan limits)

Before the deductible is met, you pay your share of Medicare-approved costs out of pocket.

High Deductible Plan F vs. High Deductible Plan G

Since January 1, 2020, newly eligible Medicare beneficiaries have access to High Deductible Plan G instead of High Deductible Plan F. The two plans work identically — the only difference is that High Deductible Plan G does not cover the Part B deductible (just like the difference between standard Plan F and Plan G).

If you became eligible for Medicare on or after January 1, 2020, High Deductible Plan G is your equivalent option.

Medicare Supplements

Pros and Cons of High Deductible Plan F

The case for High Deductible Plan F: The primary advantage is a significantly lower monthly premium compared to standard Plan F. For Medicare beneficiaries who are generally healthy, rarely use healthcare services, and have sufficient savings to cover the deductible in a high-use year, the monthly savings can outweigh the occasional out-of-pocket costs.

Beneficiaries coming from employer-sponsored high-deductible health plans or health savings accounts (HSAs) are often comfortable with this structure and adapt to it well.

The case against High Deductible Plan F: In practice, many beneficiaries who choose High Deductible Plan F find the experience frustrating. Because you’re responsible for all Medicare cost-sharing until the deductible is met, you’ll receive bills from providers after virtually every medical service — doctor visits, lab work, outpatient procedures — until you’ve hit the $2,950 threshold. For retirees on fixed incomes, this unpredictability can create financial stress even if the annual math works out.

Nevada Medicare’s honest assessment: for most Nevada Medicare beneficiaries, the standard Plan G or Plan N offers a better balance of comprehensive coverage and manageable premiums. High Deductible Plan F is the right fit for a specific type of beneficiary — and Nevada Medicare can help you determine whether that’s you.

Compare High Deductible Plan F Options in Nevada with Nevada Medicare

Nevada Medicare provides quotes from Medigap carriers in Nevada offering High Deductible Plan F and compares them against standard Plan F, Plan G, and Plan N — so you can see the full picture before deciding. Our assistance comes at no cost to you.

🔵 We compare High Deductible Plan F pricing across carriers in Nevada

🔵 We model the annual cost difference vs. standard Plan F and Plan G

🔵 We review rate increase histories — not just current premiums

🔵 We help with claims, appeals, and Medicare disputes year-round

🔵 Our assistance comes at no cost — we’re compensated by the insurance carriers

Is High Deductible Plan F Right for You?

Nevada Medicare helps you run the numbers — comparing HD Plan F against standard Plan F, Plan G, and Plan N — so you can make a confident, informed decision at no cost to you. Call Nevada Medicare at 702-840-1111 or visit us at 2412 Stewart Ave, Las Vegas, NV 89101.