Plan F
Legacy full-coverage plan available only to those first eligible for Medicare before January 1, 2020. Covers all Part A & B cost sharing including the Part B deductible.
What it covers
- What it pays for
- Covers all Part A & B deductibles, coinsurance, blood, SNF coinsurance, Part B excess charges, and foreign travel emergency. It is the most complete Medicare Supplement letter.
- How it works
- Nationwide access with no network; virtually zero out-of-pocket costs after premium and Part B premium.
- Who can get it, and when
- During your Medigap Open Enrollment Period or after a qualifying event, no carrier can deny you or charge more due to health conditions; medical underwriting is required outside those windows. You must have been first eligible before 2020.
What it costs
A higher monthly premium, on top of the Part B premium.
Hawkins Insurance Group, LLC is not connected with or endorsed by the United States government or the federal Medicare program. 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.
What is good about it
- Covers Part B deductible that G does not
The catch
- Higher premiums that may grow faster due to shrinking pool
- No drug, dental, or vision coverage
Plan F and Plan G
| What is compared | Plan F | Plan G |
|---|---|---|
| Monthly premium | Higher | Lower |
| Covers Part B deductible | Yes | No |
| Part B excess charges | Covered | Covered |
| Open to new enrollees | Only if first eligible before 2020 | Yes |
Mistakes to avoid
- Overpaying for Part B deductible coverage when Plan G's lower premium may more than make up for it
- Switching away from Plan F and being unable to return without underwriting
More questions and the glossary in Help
Keep learning
Other coverage to explore