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Click on the links below for information on any Modernized Medicare Supplement Policy:

Medicare Supplement

Plan A

Plan B

Plan C

Plan D

Plan F

Plan G

Plan K

Plan L

Plan M

Plan N

Medicare Supplemental Plan F

Medicare Supplement Plan F is a standardized Medicare Supplemental Insurance Plan that is available in most states. From our experience the Medigap Plan F has become the most popular of all Medicare Supplement Plans as it contains comprehensive coverage for everything Medicare Insurance doesn’t cover as long as the charge is approved by Medicare Insurance.

In short, if Medicare Part B or Medicare Part A pay a penny on a doctor or hospital charge, Medicare Supplement Insurance Plan F will pay whatever is left.

This Comprehensive Coverage makes Medicare Supplement Plan F very attractive. Of all Medigap Plans that supplement Medicare Insurance, Medicare Supplemental Plan F is owned by more people than any other Medicare Supplement Insurance Plan.

Below are the eight gaps covered by Standardized Medicare Supplemental Insurance plans. 6 of these 8 gaps are covered by Medicare Supplement Plan F. The two gaps that aren’t covered (At Home Recovery and Preventative Care) are not covered by Medicare Insurance at all.

Covered by Medicare Supplemental Plan F

1) Basic Benefits:

• Part B Coinsurance (Generally 20% of outpatient expenses)
  
• Hospital Coinsurance
  
• 365 Additional Days Hospitilization Coverage
  
• Blood Deductible Coverage

2) Skilled Nursing Coinsurance

3) Part A Deductible

4) Part B Deductible

5) Part B Excess

6) Foreign Travel

Not Covered by Medicare Supplement Plan F

At Home Recovery

Preventative Care

Medicare Supplement Plan F is very popular because of its comprehensive coverage for procedures covered by Medicare Part A and Medicare Part B. However, some people find a more complete coverage option in Medicare Supplemental Plan J and even sometimes at a lower premium.

However, for those who wish the peace of mind of knowing all Medicare approved procedures will be covered and don’t mind taking on the risks involved for At Home Recovery and Prevenative Care, Medigap Plan F can be a tremendous choice. It is important to shop around different Medicare Supplement Plans including the most comprehensive Plan J before making a final decision. As Medicare Supplemental Insurance Companies base Medigap rates on many different factors, more coverage does not always mean lower premiums and lower premiums does not always mean less Supplemental Insurance coverage.

To compare Medicare Supplement Insurance rates and plans from top rated insurance companies in your area, simply fill out the form to your right or call today at (888) 875-4463.

Medicare Supplement Plan F:

Medigap Plan F or High Deductible Plan F** MEDICARE INSURANCE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD
* A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. **This high deductible plan pays the same or offers the same benefits as Plan F after you have paid a calendar year $1900 deductible. Benefits from the high deductible Plan F will not begin until out-of-pocket expenses are $1900. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B, but does not include the plan's separate foreign travel emergency deductible.
Service:	HOSPITALIZATION Semiprivate room and board, general nursing and miscellaneous services and supplies:
MEDICARE INSURANCE PAYS		PLAN PAYS	YOU PAY
First 60 days	All but $1132	$1132 (Part A Deductible)	$0
61st through 90th day	All but $283 a day	$283 a day	$0
91st day and after:
While using 60 lifetime reserve days	All but $566 a day	$566 a day	$0
Once lifetime reserve days are used:
Additional 365 days	$0	100% of Medicare Eligible Expenses	$0**
Beyond the Additional 365 days	$0	$0	All costs
Service:	SKILLED NURSING FACILITY CARE You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital:
First 20 days	All approved amounts	$0	$0
21st through 100th day	All but $141.50 a day	Up to $141.50 a day	$0
101st day and after	$0	$0	All costs
Service:	BLOOD
First 3 pints	$0	3 pints	$0
Additional amounts	100%	$0	$0
Service:	HOSPICE CARE Available as long as your doctor certifies you are terminally ill and you elect to receive these services.
	All but very limited coinsurance for outpatient drugs and inpatient respite care	$0	Balance
**NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.
Medigap Plan F or High Deductible Plan F** MEDICARE INSURANCE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR
Once you have been billed $162 of Medicare-Approved amounts for covered services your Medicare Part B Deductible will have been met for the calendar year. ** This high deductible plan pays the same or offers the same benefits as Plan F after you have paid a calendar year $1900 decutible.  Benefits from the high deductible Plan F will not begin until out-of-pocket expenses are $1900.   Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy.  This includes the Medicare deductibles for Part A and Part B, but does not include the plan's separate foreign travel emergency deductible.
Service:	MEDICAL EXPENSES - In or Out of the Hospital and Outpatient Hospital Treatment, such as Physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment:
MEDICARE INSURANCE PAYS		PLAN PAYS	YOU PAY
First $162 of Medicare Approved Amounts	$0	$162 (Part B Deductible)	$0
Remainder of Medicare Approved Amounts	Generally 80%	Generally 20%	$0
Part B Excess Charges (Above Medicare Approved Amounts)	$0	100%	$0
Service:	BLOOD
First 3 pints	$0	All costs	$0
Next $162 of Medicare Approved Amounts	$0	$162 (Part B Deductible)	$0
Remainder of Medicare Approved Amounts	80%	20%	$0
Service:	CLINICAL LABORATORY SERVICES
Blood tests for Diagnostic Services	100%	$0	$0
MEDICARE INSURANCE  PARTS  A & B
Service:	HOME HEALTH CARE Medicare Approved Services:
MEDICARE INSURANCE PAYS		PLAN PAYS	YOU PAY
Medically necessary skilled care services and medical supplies	100%	$0	$0
Durable medical equipment:
First $162 of Medicare Approved Amounts	$0	$162 (Part B Deductible)	$0
Remainder of Medicare Approved Amounts	80%	20%	$0
OTHER BENEFITS - NOT COVERED BY MEDICARE INSURANCE
Service:	FOREIGN TRAVEL Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA:
First $250 each calendar year	$0	$0	$250
Remainder of charges	$0	80% to a lifetime maximum of $50,000	20% and amounts over the $50,000 lifetime maximum

OUTLINE OF MEDICARE COVERAGE

Benefit Chart of Medicare Supplement Plans Sold for Effective Dates as of June 1, 2010

Plan A	Plan B	Plan C	Plan D	F	F*	Plan G	Plan K	Plan L	Plan M	Plan N
Basic, including 100% Part B co-insurance.	Basic, including 100% Part B co-insurance.	Basic, including 100% Part B co-insurance.	Basic, including 100% Part B co-insurance.	Basic, including 100% Part B co-insurance.		Basic, including 100% Part B co-insurance.	Hospitalization and preventative care paid at 100%; other basic benefits paid at 50%	Hospitalization and preventative care paid at 100%; other basic benefits paid at 75%	Basic, including 100% Part B co-insurance.	Basic, including 100% Part B co-insurance except**
		Skilled Nursing Facility Co-insurance	Skilled Nursing Facility Co-insurance	Skilled Nursing Facility Co-insurance		Skilled Nursing Facility Co-insurance	50% Skilled Nursing Facility Co-insurance	75% Skilled Nursing Facility Co-insurance	Skilled Nursing Facility Co-insurance	Skilled Nursing Facility Co-insurance
	Part A Deductible	Part A Deductible	Part A Deductible	Part A Deductible		Part A Deductible	50% Part A Deductible	75% Part A Deductible	50% Part A Deductible	Part A Deductible
		Part B Deductible		Part B Deductible
				Part B Excess (100%)		Part B Excess (100%)
		Foreign Travel Emergency	Foreign Travel Emergency	Foreign Travel Emergency		Foreign Travel Emergency			Foreign Travel Emergency	Foreign Travel Emergency
							Out-of-Pocket limit at $4,620; paid at 100% after limit reached	Out-of-Pocket limit at $2,310; paid at 100% after limit reached

*Plan F also has an option called a high deductible Plan F. This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2,000 deductible. Benefits from high deductible plan F will not begin until out-of-pocket expenses exceed $2,000. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the plan’s separate foreign travel emergency deductible. **Plan N includes Basic, including 100% Part B co-insurance, except up to $20 copayment for office visit, and up to $50 copayment for ER.