Medigap
High Deductible Plan F
A "high deductible Plan F" in 2025 refers to a Medicare Supplement(Medigap)plan where you must pay a higher upfront out-of-pocket cost of $2,870 before your coverage kicks in, essentially meaning you need to spend that amount on medical expenses before the plan starts paying for eligible Medicare costs; once you reach that deductible, the plan functions exactly like a standard Plan F, covering most of your Medicare out-of-pocket expenses
Plan F covers the following at 100% with the exception of the foreign travel emergency benefit:
- 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)
Because of how much Plan F covers, it has become the most popular plan with close to 50% of clients choosing Plan F for their supplement coverage.
Currently, the only Medicare clients that still have an option to choose Plan F are those who were eligible for Medicare prior to January 1, 2020.
If you want to find the lowest premiums in your area, feel free to fill out the form on this page or press the "Click to get Contacted" button above.
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