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Medigap Plan F

Medigap Plan F is the most thorough Medicare Supplement plan. Since it covers both Medicare deductibles and all coinsurance and copays, you’re left with nothing out of pocket.

You have to be enrolled in both Medicare Part A and Part B first, then you will be eligible to enroll in Medigap Plan F. 

Adding Plan F to your Original Medicare benefits will result in comprehensive coverage. By definition, Medigap Plan F has the most benefits of any Medicare supplement policy.

Medigap Plan F Benefits

  • Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used)
  • Medicare Part B copayment
  • First 3 pints of blood
  • Skilled nursing facility care coinsurance
  • Part A hospice care copayment
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency (up to plan limits)

Why Choose Plan F?

Medigap Plan F will pay for all of the gaps in Original Medicare, including both your hospital and outpatient deductible. It also pays the 20% that Medicare Part B doesn’t cover. This means you have no copays at the doctor’s office.   

With zero out-of-pocket costs, you can have peace of mind when you undergo some health care treatments. It’s easy to see why so many folks believe that Plan F is the best Medicare supplement plan.

The Average Cost for Medigap Plan F

The costs will vary by gender, area, zip code, and tobacco status. In many areas, we see pricing around $135 per month for a female turning 65. It’s important to get quotes for the cost of Medigap Plan F in your area. 

With most insurance carriers, the cost for males will be a little higher than females. As you can expect, tobacco users will usually have a higher cost than non-tobacco users.

Can I Change Carriers?

The short answer is yes. Since the coverage is outstanding, people often stay on Plan F for many years. Your coverage can never be because of health conditions. 

All Medigap companies will offer the same benefits for Plan F, but the cost for the Plan itself may vary. So, it’s a good idea to compare the cost between insurers each year and look for the cheapest plan in your area.

Get Medigap Plan F Quotes Today

Medicare Supplement Plan F is the best of the bunch. It’s the most extensive coverage you can buy, and it’s an easy plan to understand. Still, it never hurts to compare the values of your options. Whether you want a quote for Medigap Plan F, Plan G, or both, we can get them for you. Call Cornerstone Senior Advisors at (316) 260-3331.