Medigap Plan F
Closed to anyone new to Medicare on or after January 1, 2020
Plan F is the only plan that covers every gap in the chart — including the Part B deductible — which is exactly why it's closed: nobody new to Medicare on or after January 1, 2020 can buy it. If you already have it, keeping or leaving it is a real decision, not a reflex.
What does Plan F cover?
- Part A coinsurance and hospital costs (up to 365 extra days after Medicare benefits are used) — Covered 100%
- Part B coinsurance or copayment — Covered 100%
- Blood (first 3 pints) — Covered 100%
- Part A hospice care coinsurance or copayment — Covered 100%
- Skilled nursing facility care coinsurance — Covered 100%
- Part A deductible — Covered 100%
- Part B deductible — Covered 100%
- Part B excess charges — Covered 100%
- Foreign travel emergency (up to plan limits) — Covered 80%
Who is Plan F a good fit for?
- People who already own Plan F and value first-dollar coverage: no deductible, no copays, nothing.
- People eligible for Medicare before 2020 who still qualify to buy it and want the fullest possible coverage.
What are the trade-offs of Plan F?
- A closed pool ages: no new healthy 65-year-olds join Plan F, which tends to push its premiums up faster than open plans over time.
- The extra benefit over Plan G is just the annual Part B deductible — when Plan F costs much more than Plan G, you may be paying a premium above the deductible it covers.
- Switching away later may require medical underwriting in most states — the decision has a one-way door in it, so make it with an advisor, not a headline.
Key facts
- Part A deductible
- Covered 100% (2026)
- Part B deductible
- Covered 100% (2026)
- Part B excess charges
- Covered 100% (2026)
- Sold by
- Private insurers, standardized by federal law — same benefits at every company
Frequently asked questions
Does Plan F cover the Part B deductible?
Yes — Plan F pays the annual Part B deductible ($283 in 2026). Plans that do this are closed to anyone new to Medicare on or after January 1, 2020.
Can I still buy Plan F?
Only if you were eligible for Medicare before January 1, 2020. Plans that pay the Part B deductible are closed to everyone who became eligible on or after that date; people who already hold one may keep it.
Does Plan F cover Part B excess charges?
Yes. If a doctor does not accept Medicare assignment and bills up to 15% above the Medicare-approved amount, Plan F pays that excess.
Does Plan F cover care outside the United States?
Partly. Plan F pays 80% of foreign travel emergency care, after a separate deductible and up to the plan's lifetime limit. Routine care abroad is not covered.
Is Plan F the same at every insurance company?
Yes. Medigap benefits are standardized by law, so Plan F is the same package of benefits whoever sells it. Price, service and rate history are what differ — three states (Massachusetts, Minnesota, Wisconsin) standardize their plans differently.
Sources
- Medicare.gov — Medigap (Medicare Supplement Insurance) (accessed September 8, 2026)
- CMS — Choosing a Medigap Policy (product 02110), benefit chart (accessed September 8, 2026)
- CMS — 2026 Medicare Parts A & B Premiums and Deductibles (accessed September 8, 2026)
Further reading
- TRICARE for Life and Medicare 2026: Apopka, FL Veterans' Coverage Guide
- Medicare Trial Rights in 2026: Your 12-Month Guaranteed Way Back to Medigap
- TRICARE for Life & Medicare 2026: Orlando Area Veterans Guide
- All Medigap plans and the full benefit chart
- The six-month Medigap open enrollment window
- Two-minute plan match quiz
- Medicare articles
- Find a licensed Medicare advisor by state
Updated September 8, 2026. Dollar figures are 2026 plan-year amounts transcribed from CMS publications and last verified by IM65 against the source for each: Parts A & B premiums, deductibles and IRMAA (August 11, 2026).