High Deductible Plan F
A High Deductible Medigap Plan F works just like a regular Plan F with the exception of a $2,180 deductible in 2016.
Medigap High Deductible Plan F covers nine out of nine Medicare Supplement Benefits. However, coverage doesn’t start until after you pay your deductible amount each year. Once the deductible is paid the plan pays 100% of covered expenses just like a standard Plan F Medicare Supplement.
A High Deductible Plan F Can Be a Good Option
For example, if the annual premium for a standard Medigap Plan F is $2,180 greater than the annual premium of a High Deductible Plan F, the High Deductible Plan is a tremendous value.
To see a benefits chart comparing all plans click here.
After Your $2,180 Deductible a High Deductible Plan F Covers
Medicare Part A Coinsurance (Hospital)
Medicare Part B Coinsurance (Medical)
Blood (First 3 Pints)
Part A Hospice Care Coinsurance and Copay
Skilled Nursing Facility Care Coinsurance
Part A Deductible
Part B Deductible
Part B Excess Charges
Foreign Travel Emergency
Covered Part A Costs (Hospital) per *Benefit Period with a Medigap High Deductible Plan F
After a $2,180 Annual Deductible
* A benefit period begins when you receive services as an inpatient in a hospital. It ends after you have been out of the hospital and have not received skilled care in other facility for 60 consecutive days. All Part A copayments and deductibles start new with the beginning of each new benefit period.