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High Deductible Plan F

High Deductible Plan F is a great alternative to the standard version. The only difference is that the high deductible version comes with (you guessed it!) a high deductible that the member must pay before the full coverage benefits begin. Once the deductible has been met, the plan pays for 100% of the costs. The higher deductible version has the benefit of lower monthly premiums.

Coverage Details​

MEDIGAP HIGH
DEDUCTIBLE PLAN F

Medigap High Deductible Plan F is a first-dollar coverage plan. “First-dollar” means that after Original Medicare has paid its portion, Plan F pays for the remaining cost. This leaves the member with $0 in out-of-pocket expenses.

MEDIGAP PLAN F COVERS:

  • Part A coinsurance and up to an additional 365 days of hospital costs after Medicare benefits are exhausted
  • Part B coinsurance/copayment
  • Blood (3 pints)
  • Part A hospice coinsurance/copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Part B deductible
  • Part B excess charge
  • 80% of foreign travel exchange
  • No out-of-pocket limit

Who is best-suited for High Deductible Plan F?

This plan is great for Medicare beneficiaries who need a lower monthly premium but are still comfortable with paying a high deductible. Individuals who only see the doctor infrequently, live in states that allow Part B excess charges, and like to travel outside of the United States are well-suited for High Deductible Plan F.

The Deductible of High Deductible Plan F

In 2023, the deductible for this plan was $2700. Beneficiaries will pay this amount out-of-pocket, and then all remaining expenses would be 100% covered.

Enrolling in Medigap High Deductible Plan F

Individuals can enroll in High Deductible Plan F as long as they have already enrolled in Original Medicare – Parts A and B. The best time to enroll is during your open enrollment period, which begins on your Part B effective date. Beneficiaries will have six months from that day to enroll in a plan with guaranteed issue rights. After that time frame, enrollment may be declined based on an individual’s health history.

Medigap High Deductible Plan F Premiums

Individual premiums will vary based on which state the individual is seeking coverage in, which carrier they’re purchasing from, and also individual factors like gender, age, tobacco use, and a few other details. The average cost for High Deductible Plan F ranges from $40-$80 each month. In general, premiums are higher in states who have a higher cost of living.

Has High Deductible Plan F been discontinued?

Yes, all first-dollar coverage plans were discontinued beginning on January 1, 2020. Plans C and the standard Plan F were also discontinued. CMS no longer allows any Medigap plan to include first dollar coverage. Beneficiaries who were already enrolled or who turned 65 prior to January 1, 2020 are still eligible for this plan.

An Alternative to High Deductible Plan F

If you are not eligible for Plan F because of the changes that occurred in 2020, a good alternative to consider is High Deductible Plan G. This plan works the same way as the High Deductible Plan F. The only coverage difference is that Plan G does not pay the Part B deductible.

Is High Deductible Plan F a good option?

Obviously, the downside of this plan is the high deductible. For that reason, it’s not for everyone. However, those who wish to lower their monthly premiums without sacrificing other areas of coverage will find this plan very beneficial.

This plan often appeals to individuals who are coming off of an employer’s coverage that also had a high deductible. As long as you have some money set aside for the deductible, this plan is a great option.

How to Compare

MEDIGAP PLAN HIGH DEDUCTIBLE PLAN F RATES

There is a lot of information about each plan online, but to get an accurate quote, you’ll need to enlist the help of a licensed Medicare agent. Instead of calling each insurance carrier to get a quote, we can compare premiums across many different carriers, ensuring that you enroll with one that gives you the best rate.

We’ll need to collect some information from you in order to provide quotes since your premium is based on your information and health history, but our services come at no additional cost to you! If you choose to enroll in a Medigap plan through our agency, we also offer unlimited support. If you have problems with your coverage or have questions about how your plan works, we will be here to help.

TALK WITH AN ADVISOR

QUESTIONS TO BE ADVISED ON:

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Many insurance carriers offer High Deductible Plan F as a Medicare supplement option. Each carrier may offer different plans in different states. No matter which carrier you enroll with, the plan’s benefits remain the same. The only difference will be the premium.
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Any Medicare beneficiary who turned 65 prior to January 1, 2020 is eligible to enroll in High Deductible Plan F.

At California Medicare Agency, we specialize exclusively in Medicare. With an average of 10 years of experience, our brokers focus on educating you first so your decision can be an informed one. 

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We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area, and any information we provide is limited to those plans we do offer in your area. Please get in touch with Medicare.gov or 1-800-MEDICARE to get information on all your options. Health Insurance sold on www.californiamedicareagency.com is processed through the licensed entity: Connor Cunningham Agency, Inc. 2023 All rights Reserved.

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