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Medicare · Medigap Plan F

Medigap Plan F

The most comprehensive Medicare Supplement available, Plan F covers virtually every gap Original Medicare leaves behind, so your out-of-pocket costs are about as low as they get.

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Golden Age Financial, Medigap Plan F guidance

What Plan F covers

Plan F covers each of the following at 100%, the only exception being foreign travel emergencies, which are covered at 80% up to plan limits.

Covered at 100%

Medicare pays first; Plan F picks up the rest.
  • ✓Part A deductible
  • ✓Part B deductible
  • ✓Part B excess charges
  • ✓Part A coinsurance & hospital costs (plus 365 extra days)
  • ✓Part B coinsurance or copayments
  • ✓First 3 pints of blood for an approved procedure
  • ✓Skilled nursing facility coinsurance
  • ✓80% of foreign travel emergencies (up to plan limits)
~50%
of supplement clients choose Plan F.
Because it covers so much, it's long been the most popular Medigap plan.
Eligibility note: Plan F is only available to those who were eligible for Medicare before January 1, 2020. If you became eligible after that date, Plan G offers nearly identical coverage, we'll help you compare.
Compare plans

Not sure Plan F is your best fit?

Let's look at the three most popular Medigap plans side by side and find the right one for you.

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Plan F

The most complete coverage (eligible before 2020).

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Plan G

Nearly identical to F, the top choice for new enrollees.

Plan G details →

Plan N

Lower premiums with small copays, great value.

Plan N details →

By submitting your information, you acknowledge a licensed insurance agent may contact you by phone, email, or mail to discuss and quote Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plan

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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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