What does Plan F cover?
Plan F is the most comprehensive Medicare Supplement Insurance (Medigap) plan currently available. It helps to fill in all of the major gaps left by Original Medicare and will help pay for hospital-related costs such as blood transfusions and skilled nursing as well as other expenses like doctor’s visits, lab work, surgeries, x-rays, medical supplies, and more. The official list of benefits offered by Plan F can be found below. Overall, Plan F enrollees will have only minimal – if any – out-of-pocket expenses compared to those using Original Medicare alone or with one of the other, less comprehensive Medicare Supplement Insurance Plans. Please note that Plan F is being discontinued as of January 1st, 2020.
- Part A coinsurance and hospital costs up to a year after Medicare benefits are used up
- Part B coinsurance/copayments
- Blood transfusions up to 3 pints annually
- Part A hospice care coinsurance/copayments
- Skilled nursing facility care coinsurance
- Part A deductible
- Part B deductible
- Part B excess charge (from doctors who do not accept Medicare assignment)
- 80% of foreign emergency care (up to a certain limit)
What does Plan G cover?