Medigap
Plan F
Legacy full-coverage plan available only to those first eligible for Medicare before January 1, 2020. Covers all Part A & B cost sharing including the Part B deductible.
The quick version
If you only read one thing, read this
- 1
Covers all Part A & B deductibles, coinsurance, blood, SNF coinsurance, Part B excess charges, and foreign travel emergency. It is the most complete Medigap letter.
- 2
Higher monthly premium (typically $140–$210) + Part B premium ($202.90 in 2026); near-zero additional medical costs.
- 3
Guaranteed issue during Medigap OEP or qualifying events; medical underwriting required outside those windows. Must have been first eligible before 2020.
The details
The stuff that matters, one piece at a time
Benefits
Covers all Part A & B deductibles, coinsurance, blood, SNF coinsurance, Part B excess charges, and foreign travel emergency. It is the most complete Medigap letter.
What it costs
Show me the money
- Monthly Premium Range
- $140–$210 USDLegacy plan; closed to most new enrollees since 2020
- Part B Premium (2026)
- $202.90 USDStandard; IRMAA surcharges may apply
- Part B Deductible
- CoveredPlan F pays the $283 Part B deductible
- Part B Excess Charges
- CoveredMost complete Medigap coverage
- Risk Pool Trend
- ShrinkingNo new enrollees may accelerate premium growth
The honest take
What's good, and where it falls short
The good stuff
- Most complete coverage with virtually zero added costs
- Covers Part B deductible that G does not
- Simplest billing with near-zero surprise costs
The catch
- Closed to those first eligible after Jan 1, 2020
- Higher premiums that may grow faster due to shrinking pool
- No drug, dental, or vision coverage
Head to head
Plan F vs. Plan G
Plan F covers everything but is closed to most new beneficiaries. Plan G is functionally equivalent minus the $283 deductible.
Buyer beware
The mistakes that cost folks the most
Staying in Plan F as the risk pool shrinks. Premiums may rise faster than comparable Plan G rates
Overpaying for Part B deductible coverage ($283/year) when Plan G premiums may be $400–$600/year less
Switching away from Plan F and being unable to return without underwriting
Common questions
What folks ask us most
Keep learning
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The Insurance Hawk
Ready to put Plan F to work?
See the plans and the prices. Or talk it through with a licensed agent who works for you, not the insurance company.