Medicare Supplement Plan F | Medigap Plan F | Coverage & Details

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Medicare Supplement Plan F
Medicare Supplement Plan F is by far the most popular Medicare Supplement Plan chosen by senior citizens enrolled into Medicare. In fact, roughly 46% of people who purchase a Medicare Supplement (also known as Medigap), purchase the Plan F.

Medicare Supplement Plan F is the most comprehensive supplemental insurance policy, and covers 100% of the major gaps left by Medicare. The reason why many people like the Medicare Supplement Plan F is due to the fact that it is hassle free. There are no claims paperwork to file, and the policy virtually pays everything.

Another nice feature about Medigap Plan F is that, like most other Medicare supplement plans, the Plan F will allow you to choose any doctor or hospital within the United States that accepts Medicare. This is a significant advantage over other types of "secondary" insurance to Medicare.

Below is a chart that shows the extensive coverage chart that Supplement Plan F provides. One thing you must know however, although Medicare Plan F is the most comprehensive policy, that means it is also the most expensive as compared with the other options. If you are the type of person who doesn't't mind paying more for the "best" coverage, Plan F will work great for you. If you are more cost conscious and like to try to find the "best deal", you may consider looking into Medicare Supplement Plan G which is very comparable to the "F" Plan, although offered at a lower price. Review the Medicare Supplement Plan F Benefits & Coverage Chart below to see what "gaps" this policy covers.
 

Medigap Plan F | Part A Coverage MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD
* A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. **High Deductible Plan F pays the same or offers the same benefits as Plan F after you have paid a calendar year $2,110 deductible. Benefits from the high deductible Plan F will not begin until out-of-pocket expenses are $2,110. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B, but does not include the plan's separate foreign travel emergency deductible.
HOSPITALIZATION: Semi-private room and board, general nursing and miscellaneous services and supplies.
Services		Medicare Pays	Plan Pays	You Pay
First 60 days		All but $1,184	$1,184 (Part A Deductible)	$0
61st through 90th day		All but $296 a day	$296 a day	$0
91st day and after:
While using 60 lifetime reserve days		All but $592 a day	$592 a day	$0
Once lifetime reserve days are used:
Additional 365 days		$0	100% of Medicare Eligible Expenses	$0**
Beyond the Additional 365 days		$0	$0	All Costs
SKILLED NURSING FACILITY CARE: You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital.
Services	Medicare Pays		Plan Pays	You Pay
First 20 days	All approved amounts		$0	$0
21st through 100th day	All but $148 a day		Up to $148 a day	$0
101st day and after	$0		$0	All costs
BLOOD:
Services	Medicare Pays		Plan Pays	You Pay
First 3 pints	$0		3 pints	$0
Additional amounts	100%		$0	$0
HOSPICE CARE: You must meet Medicare's requirements including a doctor's certification of terminal illness.
Services	Medicare Pays		Plan Pays	You Pay
Hospice care	All but very limited copayment / coinsurance for out-patient drugs and inpatient respite care		Medicare copayment / coinsurance	$0
**NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.

Medigap Plan F | Part B Coverage MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR
Once you have been billed $147 of Medicare-Approved amounts for covered services your Medicare Part B Deductible will have been met for the calendar year. ** High deductible Plan F pays the same or offers the same benefits as Plan F after you have paid a calendar year $2,110 decutible.  Benefits from the high deductible Plan F will not begin until out-of-pocket expenses are $2,110. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B, but does not include the plan's separate foreign travel emergency deductible.
MEDICAL EXPENSES: In or Out of the Hospital and Outpatient Hospital Treatment, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment.
Services	Medicare Pays	Plan Pays	You Pay
First $147 of Medicare Approved Amounts	$0	$147 (Part B Deductible)	$0
Remainder of Medicare Approved Amounts	Generally 80%	Generally 20%	$0
Part B Excess Charges (Above Medicare Approved Amounts)	$0	100%	$0
BLOOD:
Services	Medicare Pays	Plan Pays	You Pay
First 3 pints	$0	All costs	$0
Next $147 of Medicare Approved Amounts	$0	$147 (Part B Deductible)	$0
Remainder of Medicare Approved Amounts	80%	20%	$0
CLINICAL LABORATORY SERVICES:
Services	Medicare Pays	Plan Pays	You Pay
Tests for Diagnostic Services	100%	$0	$0

 

MEDICARE PARTS  A & B
HOME HEALTH CARE: Medicare Approved Services.
Services	Medicare Pays	Plan Pays	You Pay
Medically necessary skilled care services and medical supplies	100%	$0	$0
Durable medical equipment:
First $147 of Medicare Approved Amounts	$0	$147 (Part B Deductible)	$0
Remainder of Medicare Approved Amounts	80%	20%	$0

 

OTHER BENEFITS - NOT COVERED BY MEDICARE
FOREIGN TRAVEL: Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA. (Canada & Mexico only.)
Services	Medicare Pays	Plan Pays	You Pay
First $250 each calendar year	$0	$0	$250
Remainder of charges	$0	80% to a lifetime maximum of $50,000	20% and amounts over the $50,000 lifetime maximum

To learn more about the Medicare Supplement Plan F, the coverage and benefits that it provides, or if you would like to sign up, please give us a call at (800) 351-6603. You can also Compare Plan F Rates & Quotes directly on our webiste.

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