Medicare Supplement Plan F is by far the most popular and the most comprehensive supplemental insurance policy and covers 100% of the major gaps left by Medicare. The reason why many people like the Medicare Supplement Plan F is that the policy virtually pays for everything. In essence, you may have no out-of-pocket costs for hospital and doctor's office care with this plan. Another delightful feature with Medigap Plan F is that it will allow you to choose any doctor or hospital within the United States that accepts Medicare. It also hassle-free, thus you don’t have to worry about claims or filing paperwork.
Because of its popularity, many insurance companies offer Plan F. Plan availability varies by location, so always research and compare plan options for your specific zip code and county.
The chart below shows the extent of the coverage that Medicare Supplement Plan F (Medigap Plan F) provides. Bear in mind however that although Medicare Plan F has the most comprehensive coverage, it also means that it also the most expensive among the other options.
If you don’t mind paying more for the "best" coverage, Plan F is the ideal plan for you.
If you are looking for a deal with a lower cost than Plan F but with almost the same coverage, you might consider Medicare Supplement Plan G (Medigap Plan G). The plan is very much comparable to Plan F but at a lower cost.
Review the Medicare Supplement Plan F Benefits & Coverage Chart below to see what "gaps" this policy covers.
Comparison chart of all 10 plans side-by-side:
|Part A Hospital Coinsurance|
|365 Additional Hospital Reserve Days|
|Benefit For Blood||50%||75%|
|Part B Co-Insurance||50%||75%||*Co-Pays|
|Skilled Nursing Facility Co-insurance||50%||75%|
|Part A Deductable||50%||75%||50%|
|Part B Deductable|
|Part B Excess|
|Foreign Travel Benefit||80%||80%||80%||80%||80%|
|Preventive Care Co-Insurance|
|Out of Pocket Limit||None||None||None||None||None||None||$5,240||$2,620||None||None|