Is Medicare Plan F Your Best Option?

Out of all the supplemental medical insurance options, Medicare Plan F provides the best coverage. The price you’ll pay for its premiums reflect that, however. Not everyone will benefit from having a full-coverage plan like this. Let’s take a moment to look at what Plan F covers and some of the benefits to subscribing to it.

Plan F Coverage

Plan F will cover all care received from skilled nursing facilities as well as all deductibles for Part A and Part B of Medicare. This includes the deductible you would normally pay for hospitalization and the deductible for expenses incurred for medical and outpatient procedures. That is all of your typical out-of-pocket expenses covered by Plan F.

With Plan F you would also not have to worry about paying for excess charges that are part of Medicare Part B. Sometimes what a doctor will charge for a visit is more than the limit Medicare will put on the visit. Under Plan F, you wouldn’t have to pay this excess fee.

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Plan F further covers all medical expenses incurred while abroad. This means that if you have to leave the country for your medical care, because adequate care cannot be provided in the United States, Medicare Plan F will take care of it for you. You may want to consult with your physician to see if foreign medical care is something that might be necessary for you in the future to help you determine if Plan F is right for you.

Plan F Benefits

Plan F covers all co-payments as part of its benefits. This includes all of Part A of Medicare for hospitalization. Medicare will pay for some of your hospitalization for the first 60 days, then a reduced amount for the next 30 days. After that period, Medicare stops paying entirely. Plan F will then take effect, paying for an additional 365 days of hospitalization.   

Plan F benefits also include coverage for the first three pints of blood you would use each year as well as hospice care. The copayment you would make otherwise will be covered by Plan F as well.

Because Plan F leaves you with practically no out-of-pocket expenses, it is ideal for people who want to pay their premiums and not have to worry about anything else. On the other hand, no other Medigap plan has premiums that are as high as Plan F. So if you cannot use all of the plan’s coverage, then you will simply be wasting your money.

The wisest choice is to find a plan that suits your needs. Compare the prices of premiums for various plans and different insurance providers by using our free online service to determine the best one for you. You should not choose a plan beyond your means to pay for it.

And yet, Plan F is the most popular plan for supplemental insurance options because of how easy it is to understand and how simple it makes paying your insurance. For most people on Plan F, there is only a single premium to pay. This makes Medicare Plan F an attractive option, but it is really only useful for people with serious medical issues.

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