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Learn why Medigap Plan F is right for you

Medigap Plan F is the Medicare Supplement that provides the most coverage. It covers both Original Medicare Part A and B deductibles, all copays, and all coinsurance. This means you have no out-of-pocket expenses.

 

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    medicare plan F

    What does Medicare Supplement Plan F cover?

    Medigap Plan F features the most comprehensive benefits package out of all Medicare Supplement policies. 

    Plan F covers: 

    • Original Medicare Part A’s deductible
    • Part B deductible
    • Part B excess charges
    • Part A coinsurance and hospital costs up to an additional 365 days after Medicare’s benefits are all used up
    • Part B coinsurance or copayments
    • First three pints of blood used in an approved medical procedure
    • Skilled nursing facility coinsurance
    • 80% of a foreign travel emergency (up to plan limits)

    As you can see, there’s a reason Medicare Supplemental Plan F is the most frequently purchased Medigap plan according to several reports. It pays for all gaps in coverage by Original Medicare including your hospital and outpatient deductibles. 

    That’s right, that means there are no out-of-pocket casts when you visit the doctor. 

    If you’re wondering how much it is to have this peace-of-mind, give one of our licensed Medicare agents at Bobby Brock Insurance a call today!

     

    What isn’t covered under Medicare Supplement Plan N?

    Plan N does not cover Medicare part B’s deductible or any Part B excess charges. Also, as mentioned, you may have to pay $20 copay for doctor visits and $50 for emergency room visits if you aren’t admitted as an inpatient. This allows for full coverage of a lot of other costs you’d normally be on the hook for while also keeping your monthly premium lower than comprehensive medicare supplement plans.

    Are medicare supplement plans worth it?

    If you take a look above at what Medigap Plan F covers, it could save you a lot of money if you visit a doctor frequently or have multiple (or lengthy) stays in a hospital.

    Other than the fact you are left with no out-of-pocket expenses, there are these other benefits: 

    • Choose your own doctor
    • No referrals required to see specialists
    • Guaranteed renewable — your coverage can’t be canceled due to health or number of claims 

    How much can I save with a Medicare Supplement Insurance Plan?

    Medicare Part A’s deductible is currently $1,384 when you go to the hospital. You also pay 20% of any procedures. 

    With Medicare Supplement Insurance Plan F, all of that is paid for by your supplement. 

    So, it wouldn’t be out of the question for a Medigap plan to pay for itself in one hospital visit. 

    And if you buy a plan through an independent broker like Bobby Brock Insurance, you will receive a competitive rate that most major carriers can’t reach.