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Medigap Plan F

Medicare Supplement (Medigap) Plan F offers the most complete basic Medicare supplement you can buy. It covers both Medicare deductibles and All co-pays and coinsurance. You have $0 out of pocket! Plan F will never require you to pull your wallet out for any covered service. This post has been updated for 2020.

A Medicare Supplement, pays after Medicare to help cover your deductibles, co-pays, and coinsurance that you would otherwise be responsible for. Medicare Supplement Plan F does not replace your Medicare Part B. You must be enrolled in both Part A and Part B first, then you are eligible to enroll in Medicare Supplement Plan F.

Nonetheless, Medicare Supplement Plan F will no longer be available. If you become eligible for Medicare on or after January 1, 2020, you won’t be able to buy Plan F. If you already have Plan F – you can generally keep your plan. You can apply to buy Plan F if you become eligible for Medicare before 2020.

Medigap Plan F was the favorite

Plan F policies are considered first-dollar coverage. After Medicare pays its share of your claims, Plan F pays the remainder. This leaves you with $0 out of pocket.

  • Plan F fully covers both your Part A hospital deductible and your Part B outpatient deductible
  • Medicare Plan F covers all Part B excess charges. You will never pay the standard 15% excess charges that doctors under Medicare are allowed to charge for Part B services
  • Part A hospital and co-insurance costs up to an additional 356 days after Medicare benefits are exhausted
  • See any doctor – from over 870,900 active doctors in the US (2019 Statista Research)
  • Lab Work, All Diagnostic Testings, All Therapies
  • First three pints of blood used in an approved medical procedure (annually)
  • Part A hospice care co-payment or co-insurance
  • Skilled Nursing Facility co-insurance
  • Foreign travel emergency
  • Guaranteed renewable. Your coverage can never be canceled due to health conditions or the number of claims that you file.
  • No referrals required! Plan F plans allow you to see any Medicare specialist whenever you like. You are not required to get a referral from your primary care doctor.

Be aware that it does not matter which insurance company you buy your Plan F from, the benefits are all the same.

Effective January 1, 2020: If you become eligible for Medicare on or after January 1, 2020, you won’t be able to buy Plan F. If you already have Plan F – you can generally keep your plan. You can apply to buy Plan F if you become eligible for Medicare before 2020.

At Nevada Medicare we can make it easy for you – call us for a hassle-free help in understanding your benefits and what’s available to you. Contact Us today.

Costs for Medicare Supplement Plan F vary by gender, zip code, and tobacco use. In many Southern Nevada, we find pricing around $170 per month for a non-smoking female turning 65, but it’s always important to get quotes for Supplement Plan F costs in your area.

With most carriers, the Plan F cost for males will be slightly higher than females. Tobacco users of course will often have a higher Supplement Plan F cost than non-tobacco users. There are also a number of companies who offer household discounts for their Medicare supplement policies.

It does not matter which insurance company you buy your Plan F from, the benefits are all the same. This means you should be comparing the Supplement Plan F cost between insurance companies every year and looking for the cheapest Plan F in your area.

It covers all of your cost and out of pocket for Medicare Part A and B services.

At Nevada Medicare we can compare your Medicare Supplement Plan F cost every single year. We can generate a quick Plan F rate comparison. We can also compare this with other popular plans like G and N to see which has the best value for you based on your needs.

Changing usually requires answering health questions with a new Supplement F company. We can go through the health questions with you each year. If we find you can pass them, it’s likely we’ll be able to help you lower your rate every so often. With all the Medicare mail that you receive, it’s easy to overlook a notice from your Medicare Supplement company telling you that your rate is going up. At Nevada Medicare we will contact you annually before your policy anniversary to proactively look for savings for you.

We find that our clients can sometimes save $200 -$300 per year by looking at Plan G options. So what is the difference between Supplement Plan F and G and which is better?

The coverage is very similar to Medicare supplement Plan F with one minor exception: the Part B deductible. On Plan G, you pay the once a year annual Part B deductible yourself. However the premiums can be quite a bit cheaper, and you pocket the savings.

Plan G might help you keep more of your money in your own pocket instead of an insurance company’s. We can demonstrate the savings for you – get quotes for Plan F vs Plan G today. We can also provide quotes for Medicare Plan N, which is the third most popular Medicare supplement plan.

Our agency works with about 30 carriers in every state. These include Mutual of Omaha Medicare Supplements, Aetna Medicare Supplements and Cigna Medicare Supplements. All three of these carriers have competitive Plan G rates in 2019.

You’ll easily learn which insurance carriers offer you the greatest long-term savings and benefits.

All Medicare Supplement plans cover medications administered in the hospital or in a clinical setting. However, Medicare Supplement plans do not cover retail prescriptions. You will want to enroll in Part D to get your retail prescription drugs covered.

No. Medicare Supplement plan does not cover routine dental, vision or hearing services. There are however many great standalone plans that you can enroll in to provide these benefits at a reasonable cost. At Nevada Medicare we have some plans that lets you use your own providers and some plans have benefits that grow over time.

No. Plan G covers less than Medicare supplemental Plan F. You pay your own Part B deductible. However, you get lower premiums for Plan G, and sometimes that makes it a better value. Be sure to compare the numbers. In my opinion, the best Medicare plan is the one that will cost you the least annual out-of-pocket spending and has the lowest rate increases in recent years.

The best Medicare Supplement plans in 2020 are still Plan F and Plan G. While Plan F has long been the most popular, Plan G is gaining steam in 2020 since Plan F is no longer available to new enrollees. Get a quote for both and see which ones offer you the best annual savings.

As of January 1, 2020, people newly eligible for Medicare won’t be able to buy Medicare Supplement Plan F. As part of the Medicare Access and CHIP Re-authorization Act of 2015, you may not be able to buy a Medicare Supplement plan that may cover the Part B deductible if you become eligible for Medicare January 1, 2020 or later. This includes Medicare Supplement Plan C, Medicare Supplement Plan F, and the Medicare Supplement High Deductible Plan F. The standard Medicare Part B annual deductible is $198 in 2020.

If you bought a Medicare Supplement Plan F before January 2020, you can generally keep your coverage. Existing Medicare Supplement Plan F policies cannot be cancelled by an insurance company unless you fail to pay your premiums, you gave false information on your application, or the insurance company goes bankrupt.

There are companies and agents out there who will try to switch you out of Plan F by using the coming 2021 changes as a scare tactic. Don’t let anyone scare you. You should enroll in the plan that makes the most financial sense for you. We advise you to get quotes for both plans, which is what we do here at Nevada Medicare.

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