Medicare Supplement Plan F: The Complete Coverage Option

When it comes to Medicare Supplement insurance, Plan F has long been considered the gold standard. It's the most comprehensive Medigap plan available, designed to cover 100% of the out-of-pocket costs that Traditional Medicare (Parts A and B) leaves behind. If you have Plan F, you generally won't pay a dime out of pocket for Medicare-approved services. No deductibles, no copays, no coinsurance.

However, there's a catch. Due to changes in federal law, Plan F is no longer available to everyone. If you became eligible for Medicare on or after January 1, 2020, you cannot buy Plan F. For those newly eligible, Plan G is the closest alternative, offering the exact same coverage minus the Part B deductible.

If you were eligible for Medicare before 2020, you can still keep your Plan F or even buy a new one if you can pass medical underwriting. But because the pool of Plan F policyholders is shrinking and aging, premiums for this plan have been rising faster than others.

Remember, the Medigap decision comes AFTER you choose Traditional Medicare. It's a component of the Traditional path, not an alternative to Advantage. A supplement fills the gaps by law. Benefits are standardized by federal law, meaning a Plan F from one carrier provides the exact same medical coverage as a Plan F from another. The only difference is the price and the company's reputation.

You've worked hard to protect what you've earned. Don't let rising premiums eat into your retirement. If you're currently on Plan F, it might be time to see if you're overpaying. We'll walk you through every option, compare rates from top carriers, and give you straight answers, no surprises. We're on your side of the table.