Plan F offers Medicare Part A, coinsurance and deductible, Medicare Part B, coinsurance or copayment and deductible, and 100% of the Part B excess charges.

Medicare Supplements

Plan F

Medicare Supplement Plan F is a very comprehensive plan compared to the others as far as benefits for the enrollee. Each insurance carrier decides which Medigap policies to sell, although state laws might affect which ones offered. If an insurance carrier offers any Medigap Plan they must also offer Plan F, as well as Plan C.

Medigap Plan F coverage includes the cost of up to 365 additional hospital days after the initial hospital days covered by Medicare Part A have expired. Plan F does not cover preventive care or at-home recovery care. You can call our licensed sales agents for more information and to help find the right plan for your needs.

Plan F covers benefits like coinsurance for hospice services, skilled nursing facility treatment coinsurance, and foreign travel emergency insurance. It also covers Medicare Part B excess charges, which result from the difference between what a physician charges for services and what Medicare will compensate the physician for those services. The doctor can charge you up to 15% of the amount not covered by Medicare. However, Plan F will cover this difference.

You can also enroll in a Plan F policy with a high deductible. Medigap plan pays anything. Plan F may shelter you from higher payments that you must pay yourself if you need health services that are more expensive than what Medicare will pay.