Medicare Supplement Plan F.
Plan F was the most generous Medigap plan — but it is no longer available to new enrollees. Here is what it covers and what most people pick instead.
Get free guidance — no pressure
Free, no obligation. We share useful next steps based on what you tell us.
- One callback at most — we don't bombard you
- Your info stays private and is never sold
- Not connected with the U.S. government or Medicare
Why Plan F is grandfathered
Plan F was the most generous Medigap plan — it covered everything Original Medicare left uncovered, including the Part B deductible. As of January 1, 2020, new Medicare enrollees can no longer buy Plan F.
If you became Medicare-eligible before January 1, 2020 (whether or not you enrolled at that time), you can still buy Plan F.
What Plan F covers
- Part A coinsurance and hospital costs
- Part B coinsurance and copayment
- First three pints of blood
- Part A hospice care coinsurance
- Skilled nursing facility care coinsurance
- Part A deductible
- Part B deductible (only Plan F and high-deductible Plan F cover this)
- Part B excess charges
- Foreign travel emergency (up to plan limits)
Plan F vs. Plan G
The only practical difference: Plan F covers the Part B deductible; Plan G does not. Once you pay the small Part B deductible each year on Plan G, the coverage is identical.
That said, Plan F premiums tend to be higher than Plan G — often by more than the Part B deductible amount. Most newly eligible enrollees pick Plan G for that reason.
See our Plan G guide for details.