2019 Medicare Supplement Plan F

This page has been updated for 2019

This provides details about Medicare Supplement Plan F.

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We have the lowest rates for a plan F. Let us match you with a quote for a plan F with the lowest priced insurance company in your area.

Special Notes: 2019 Information

• Plan F pays the Part B annual deductible of $ 185.00 once per year.
• Plan F pays the Part B excess when you see a provider that does not accept Medicare Assignment.
• Plan F pays the 20% remainder of Medicare Approved Amounts.
• Plan F pays 100% of the Part B excess when you see a provider that does not accept Medicare Assignment.
• Plan F pays the $ 1364.00 Part A Deductible.
• Plan F includes the Basic Benefits, pays the Part A deductible and includes the Skilled Nursing Coinsurance.
• Plan F Includes Foreign Travel Emergency benefits.
• Plan F includes the hospice coinsurance not paid by Medicare.
• Bottom Line: The is no modernized Medicare Supplement better.
• The regular Plan F is a winner. We don't recommend the high deductible Plan F because no benefits are paid until your out-of-pocket expenses reach $ 2,300 in 2019. A plan N will cost about the same as a high deductible Plan F and provide more benefits.
• Some insurance companies offer the Select Plan F which is the same as Plan F but with network hospitals. The advantage to the Select Plan F is a lower premium. The disadvantage is having to use a network hospital.

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2019 Medicare Supplement Plan Comparison. Choose a letter to see the plan summary. A B C D F G K L M N   Modernized Plan F 2019 or High Deductible Plan F** MEDICARE (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. ** We do not recommend The High Deductible plan F. Plan F without the high deductible is very recommended. This high deductible plan pays the same or offers the same benefits as Plan F after you have paid a calendar year $2300 deductible. Benefits from the high deductible Plan F will not begin until out-of-pocket expenses are $2300. 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 PAYS PLAN PAYS YOU PAY First 60 days All but $1,364 $1,364 (Part A Deductible) $0 61st through 90th day All but $341 a day $341 a day $0 91st day and after:       While using 60 lifetime reserve days All but $682 a day $682 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 $170.50 a day Up to $170.50 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 you meet Medicare's requirements, your doctor certifies you are terminally ill and you elect to receive these services. Outpatient Prescription Drugs All but $5 $5 $0 Inpatient Respite Care All but 5% 5% of Medicare's approved amount $0 **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.   Modernized Plan F 2019 or High Deductible Plan F** MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR* * Once you have been billed $185 of Medicare-Approved amounts for covered services (which are noted with an asterisk), your Medicare Part B Deductible will have been met for the calendar year. ** The High Deductible plan F is not recommended. Plan F without the high deductible is very recommended. This high deductible plan pays the same or offers the same benefits as Plan F after you have paid a calendar year $2300 deductible.  Benefits from the high deductible Plan F will not begin until out-of-pocket expenses are $2300.   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 PAYS PLAN PAYS YOU PAY First $185 of Medicare Approved Amounts* $0 $185 (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 $185 of Medicare Approved Amounts* $0 $185 (Part B Deductible) $0 Remainder of Medicare Approved Amounts 80% 20% $0 Service: CLINICAL LABORATORY SERVICES Tests for Diagnostic Services 100% $0 $0   PARTS  A & B Service: HOME HEALTH CARE Medicare Approved Services:   MEDICARE PAYS PLAN PAYS YOU PAY Medically necessary skilled care services and medical supplies 100% $0 $0 Durable medical equipment:         First $185 of Medicare Approved Amounts* $0 $185 (Part B Deductible) $0 Remainder of Medicare Approved Amounts 80% 20% $0   OTHER BENEFITS - NOT COVERED BY MEDICARE Service: FOREIGN TRAVEL NOT COVERED BY MEDICARE 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 benefit of $50,000 20% and amounts over the $50,000 lifetime maximum

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