Medicare Supplement Plan F (Medigap Plan F) in Nevada

📋 Eligibility Notice: Medigap 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 in or keep Plan F. If you became eligible after January 1, 2020, Plan G is the closest equivalent — and for many beneficiaries, it offers better long-term value.

What Is Medigap Plan F?

Medicare Supplement Plan F is the most comprehensive Medigap plan available — often called “first-dollar coverage” because after Medicare pays its share, Plan F pays the remainder. The result is $0 out of pocket for all covered Medicare services.

Plan F covers every Medicare-approved cost:

✅ 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)

No other standardized Medigap plan covers more than Plan F. If you’re eligible and want complete peace of mind with no out-of-pocket surprises, Plan F delivers that.

Who Can Still Get Medigap Plan F?

Plan F is available to Medicare beneficiaries who became eligible for Medicare before January 1, 2020. If you were eligible before that date and don’t yet have Plan F, you may still be able to enroll — though you’ll likely need to go through medical underwriting outside of your open enrollment period.

If you already have Plan F, you can generally keep it. Your coverage cannot be canceled by an insurance company unless you fail to pay your premiums, you provided false information on your application, or the company becomes insolvent.

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

Plan F vs. Plan G — Which Is Better for You?

For those eligible before 2020, the most common question is whether to stay on Plan F or switch to Plan G. Here’s the key difference:

	Plan F	Plan G
Part B deductible	✅ Covered	❌ You pay ($257 in 2025)
Part B excess charges	✅ Covered	✅ Covered
Monthly premium	Higher	Lower
Out-of-pocket	$0	Part B deductible only

Plan G typically carries a lower monthly premium than Plan F — often enough to more than offset the Part B deductible you’d pay out of pocket. Nevada Medicare runs this comparison for clients annually and has helped many Plan F holders save money by switching to Plan G when the numbers make sense.

Does Plan F Cover Prescription Drugs?

Medigap Plan F covers medications administered in a hospital or clinical setting. However, it does not cover retail prescription drugs. To cover your prescriptions at the pharmacy, you’ll need to enroll in a separate Medicare Part D plan alongside your Plan F coverage.

How Much Does Medigap Plan F Cost in Nevada?

Plan F premiums vary by carrier, zip code, age, gender, and tobacco use. Because the benefits are identical regardless of which carrier you choose, comparing premiums across multiple companies is essential — and so is looking at each carrier’s rate increase history, not just today’s price.

Nevada Medicare compares Plan F pricing across 30+ carriers in Nevada and reviews long-term rate trends to identify the best long-term value — not just the lowest current premium.

Should You Switch Out of Plan F?

If you currently have Plan F and your premiums have been rising, it may be worth reviewing your options. Nevada Medicare contacts existing Plan F clients annually before their policy anniversary to proactively look for savings. In many cases, switching to Plan G — or a different Plan F carrier with a better rate history — can reduce your monthly costs without reducing your core coverage.

Be cautious of anyone pressuring you to change plans by using scare tactics about Plan F’s availability. You should make the decision that makes the most financial sense for your situation, not based on pressure. Nevada Medicare will show you the numbers clearly and let you decide.

Get a Medigap Plan F Quote in Nevada

Already on Plan F? Wondering if Plan G offers better value? Nevada Medicare compares all your options and helps you decide with confidence — at no cost to you. Call Nevada Medicare at 702-840-1111 or visit us at 2412 Stewart Ave, Las Vegas, NV 89101.

Compare Medigap Plan F Options in Nevada with Nevada Medicare

Nevada Medicare provides quotes from over 30 Medigap carriers in Nevada and recommends the top plans based on your specific situation — factoring in current premiums, carrier rate history, and financial strength ratings. The price you pay is the same whether you enroll through us or directly with the carrier. Our assistance comes at no cost to you.

🔵 We compare Plan F pricing across 30+ carriers in Nevada

🔵 We review rate increase histories — not just current premiums

🔵 We compare Plan F against Plan G and Plan N side by side

🔵 We conduct annual reviews to ensure you’re never overpaying

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