Medicare Supplement Plan F: The Most Complete Coverage Available
If you were eligible for Medicare before January 1, 2020, Plan F may still be an option for you — and it remains the only Medigap plan that covers every standardized gap, including the Part B deductible.
Typical Monthly Premium
$160–$380
Higher than Plan G; reflects broader coverage and older risk pool
Out-of-Pocket Covered Services
$0
No out-of-pocket costs on any covered Medicare service
Part B Deductible
$283
Covered by Plan F — the key difference from Plan G
What Plan F Covers
Plan F is the most comprehensive standardized Medigap plan available. It covers every Medicare cost-sharing gap — meaning once your premium is paid, you have no additional out-of-pocket costs for covered Medicare services for the year.
| Benefit | Plan F Coverage |
|---|---|
| Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) | Covered |
| Part A deductible ($1,736 in 2026) | Covered |
| Part A hospice care coinsurance or copayment | Covered |
| Part B coinsurance or copayment (20% of most outpatient services) | Covered |
| Part B deductible ($283 in 2026) | Covered — the key advantage over Plan G |
| Part B excess charges | Covered (100%) |
| Blood (first 3 pints) | Covered |
| Skilled nursing facility care coinsurance | Covered |
| Foreign travel emergency (up to plan limits) | Covered (80% after a $250 deductible) |
Medigap plans are standardized in every state except Massachusetts, Minnesota, and Wisconsin, which use their own plan structures.
Plan F vs. Plan G: Is the Extra Premium Worth It?
The only difference between Plan F and Plan G is that Plan F covers the annual Part B deductible ($283 in 2026) and Plan G does not. Every other benefit is identical.
If the premium difference between Plan F and Plan G in your area is less than $283 per year (about $24/month), Plan F could come out ahead on pure math. But in most markets, Plan G premiums have become significantly more competitive — because Plan F's risk pool is aging and not taking in new members, premiums have trended higher over time. In most cases we see, Plan G is the better long-term value. We'll run the actual numbers for your zip code.
Who Plan F Is Best For
Good fit if you:
- Were Medicare-eligible before January 1, 2020 and can still access Plan F in your market
- Want zero out-of-pocket costs on all covered Medicare services — no deductibles, no coinsurance, no copays
- Have a high frequency of medical visits and want the simplest possible billing experience
- Had Plan F before and want to stay on it for continuity
Worth comparing if you:
- Are eligible for Medicare after January 1, 2020 — Plan F is not available to you; Plan G is the closest equivalent
- Find Plan G premiums significantly lower in your area — saving more than $283/year makes Plan G the better value
- Are newly shopping and want maximum long-term value — Plan G's pricing tends to be more stable over time
Compare Other Plan Letters
Not sure if Plan F still makes sense for your situation, or whether Plan G is the better move? We'll pull actual carrier rates for your zip code and walk through the math with you.
Book a Free Review