Medicare Supplement Plan F
May 20, 2026
Quick Answer: Medicare Supplement Plan F
Plan F is the most comprehensive Medigap plan ever sold — it covers virtually all Medicare-approved out-of-pocket costs, including the Part B deductible. It's only available to seniors who became eligible for Medicare before January 1, 2020. If that's you, you can still buy or keep Plan F; if you became eligible after, look at Plan G or Plan N instead.
Plan F questions seniors ask
- Why is Plan F closed to new enrollees?
- The MACRA law of 2015 phased out Medigap plans that cover the Part B deductible for anyone newly eligible in 2020 or later. Existing Plan F holders are grandfathered.
- Is Plan G a good replacement?
- Plan G is identical to Plan F except you pay the Part B deductible yourself. For most new enrollees, Plan G ends up costing less overall because premiums are lower.
- Should I switch from Plan F to Plan G to save?
- Often the math favors switching, but moving Medigap plans usually requires medical underwriting. Costs vary by carrier and ZIP — compare carefully.
- Will Plan F premiums keep going up?
- Likely yes. Because the Plan F risk pool is closed and aging, premium increases are typically steeper than open plans like Plan G.
- Does Plan F include drug coverage?
- No. Medigap plans (including Plan F) don't cover prescription drugs — you'll still need a stand-alone Part D plan.
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.
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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.