Top 6 Medicare Supplement Plan F Providers for 2021


How to shop and compare the best Medicare supplement plan F

Step 1: choose an Original Medicare or Medicare Advantage plan

Decide which type of Medicare is best for you: Original Medicare (Part A and Part B) or Medicare Advantage (Part C) . You can do this when you enroll in Medicare or during Medicare Open Enrollment (October 15-December 7). When you enroll in Medicare Advantage, you are not eligible for the Medicare supplement.

Step 2. Find out if you are eligible for the Medicare Supplement Plan F.

These plans are not offered to new Medicare members in 2020. If you are eligible for Medicare due to disability and / or you turned 65 before January 1, 2020, you may be eligible for Plan F.

Step 3. Choose between regular plan F and high deductible plan F

Choose the plan that best meets your financial needs. A regular Plan F will offer higher monthly premiums, but you'll start paying out-of-pocket costs right away. High-deductible Plan F, on the other hand, offers lower monthly premiums, but requires you to pay an annual deductible set at $ 2,370 by 2021 before covering out-of-pocket costs.

Step 4. Find an Affordable Medicare F Supplement Plan in Your State

Medicare makes it easy with its Medigap Find a Plan database. Enter your zip code to see the list of plans available in your area and select View Policies on the right side of the screen to see a list of companies offering Plan F or High Deductible Plan F. You can enter age, gender, and tobacco use to narrow the price window on the main search page.

Step 5: seek help from a Medicare specialist

There are nuances to Medigap pricing plans when it comes to pricing. For example, not everyone understands that there is only one Medigap enrollment period in their life, not an annual one like other Medicare plans. Late registration may result in an increase in your offers based on existing conditions . Your local state health insurance assistance program or the National Insurance Department can help you with these problems. You can also check with your broker for more details.

Step 6: Enroll in a Medicare Supplement Plan F

You may receive marketing communications about Medicare supplement plans, especially during Medicare open enrollment. The Find a Medigap Plan site on also has phone numbers and direct links to websites for each Medigap plan in your state. Contact the insurance company of your choice for the price. In fact, if you go to several companies to get the best price. There is no way to register directly through the Medicare website.

Frequent questions

Am I Eligible For Medicare Supplement Plan F?

Congress passed the Medicare Access and CHIP Reauthorization Act (MACRA) in 2015. A part of the law aims to limit access to Medicare supplement plans that cover a Part B deductible. These plans, Plan C and Plan F, are no longer available to new beneficiaries, but you can still enroll. if he was eligible. Medicare and were born before January 1, 2020.

What is the difference between Medicare supplement plans F and G?

Medicare Supplement Plans F and G are very similar. The only difference is that Plan G doesn't cover the Part B deductible; otherwise, each pays the following:

  • 80% of travel expenses abroad (up to plan limits)
  • 100% blood products (first 3 pints)
  • 100% coinsurance for Part A and hospital costs up to 365 days
  • 100% Deductible for Part A
  • 100% coinsurance / hospice copayments under Part A
  • 100% coinsurance / copayments under Part B
  • 100% Deductible Part B
  • 100% coinsurance for skilled nursing facility

Does Medicare Plan F cover my prescriptions?

Before Medicare Part D went into effect in 2006, some Medicare supplement plans (Plans H, I, and J) offered prescription drug coverage. However, after January 1, 2006, companies were no longer allowed to sell these plans to new beneficiaries. People who previously took them were allowed to keep their plans until they signed up for Part D coverage.

This does not mean that people cannot get prescription drug coverage with the Medigap plans available today. Medicare Supplement Plan F (and all plans that cover Part B coinsurance / copayments) pays for prescription drugs that are covered under Medicare Part B. However, Medicare Part D drugs are not covered.

How much should I expect to pay for Medicare Plan F?

The following executive summary looks at the costs of Plan F in four regions of the United States. Based on cost summary data from the Medigap Find a Plan database, Part F ranges from $ 97 to $ 990 per month.

  • East Coast (Albany, NY): $ 242-414
  • Midwest (Lansing, Michigan): $ 115-946
  • South (Austin, TX): $ 97- $ 903
  • West Coast (Sacramento, California): $ 144-990

Please note that this is just a data sample. The costs may be higher or lower depending on your age, gender, and the date of your first Medigap subscription.

How We Pick the Best Medicare Supplement Plan F Companies

Each Expansion F plan covers the same elements, but not all plans are the same. You should also consider the reputation of the company, the pricing structure, the usability of the website, and other benefits. To find the top Medicare supplement providers, we looked at all companies in the Medigap Find a Plan database that offered Plan F and High Deductible F. Only those that served 40 or more states were counted. Each company was ranked based on the quality and ease of use of their website, price transparency, whether prices are based on seniority, and the types of plans available (regular or high deductible). The discounts or benefits offered by these companies were also noted. To compare prices, we called each company to request a quote for a healthy, non-smoking 66-year-old man residing in Lansing, Michigan.

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