Medigap Plan F is the only Medicare Supplement insurance plan that covers BOTH YOUR Part B Medicare deductible and Medicare “excess charges.”  An excess charge is the difference between what a doctor or provider charges and the amount Medicare will pay.  Because the plan covers costs in excess of Medicare-approved amounts, you will likely have no out-of-pocket costs for hospital and doctor's office care with this plan.

Medigap Plan F will help protect you from additional out-of-pocket expenses should you need treatment that exceeds what Medicare will approve.  Medigap Plan F also is the only Medicare Supplement plan that offers a high-deductible option to help lower your cost even more.

Medicare Supplement Plan F covers:

• Basic benefits including:
  
  
  • Hospitalization: pays Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
  • Medical Expenses: pays Part B coinsurance – generally 20 percent of Medicare-approved expenses – or copayments for hospital outpatient services
  • Blood: pays for the first three pints of blood each year
• Skilled nursing facility care
• Medicare Part A deductible for hospitalization
• Medicare Part B deductible for medical and hospital outpatient expenses
• Medicare Part B excess charges (This is the difference between what a doctor or provider charges and the amount Medicare will pay up to Medicare's limiting amount)
• Travel-abroad medical emergency help

Not all Medigap (Medicare Supplement) providers offer Medigap Plan F.  MediGap Advisors recommends speaking with one of our independent expert advisors to receive a recommendation on which plan may be best suited for your needs.  If you have any questions, call 866-323-1441 and we'll quickly give you the answers you are looking for.