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Medigap Plan F

Medigap plan F is the most popular of all the Medigap plans.  Understanding why is pretty easy once you look at how the plan complements your Medicare coverage.  If you are familiar of all the benefits of Medigap f and are just looking to get quotes then fill out the form on this page to get started.  Otherwise keep reading and we will look at why Medicare plan F may be the best choice for you.

Medigap Plan F Coverage

Medicare Part A and Part B come with nine very specific gaps in their coverage.  To help people who could not afford a large medical bill, the federal government partnered with private insurance companies to provide Medicare supplemental insurance.  For most states there are ten plans available and each one receives a letter designation.  Each plan covers a different number or combination of the nine coverage gaps in Medicare Part A and Part B.  Medigap plan F is the most comprehensive of the ten plans.  It completely covers all nine of the Medicare gaps.  This means that if you are on Medigap F you will not have to pay anything more out of pocket above your Medicare Part B Premium, you Medigap plan F premium, and the premium for your Prescription Drug program.  What makes this nice is that you never have to worry about any crazy health care bill popping up because Medigap F will take care of it.  Quite simply Medicare plan F is the no worries solution for the coverage gaps left by Medicare.  You pay the premiums, Medicare takes care of some of the charges and Medigap plan F takes care of everything else.

Alternatives to Medigap F

While there are no exact plans that will replace Medigap plan F there are some reasonable alternatives.  Many people choose to go with another Medicare supplement like plan C or Plan G.  These two plans tend to offer lower Medigap premiums than Medicare plan F and only leave one of the coverage gaps in Medicare.  Another alternative is to go with private insurance that is called Medicare Advantage.  This health insurance replaces Medicare and in exchange you get to use the money that would have been spent on your Medicare coverage toward a private health insurance company.  You can get a good feeling for the difference between the two on our page for Medigap VS Medicare Advantage HERE.  We specialize in all forms of Medicare coverage so whether Medicare plan F, one of the other Medigap plans, or a Medicare Advantage plan is the right plan for your needs, our team is ready and able to assist you in making the best decision.

At we are dedicated to helping you find the best Medicare supplemental insurance policy for your needs.  As an independent agent we are able to shop all of the companies that offer Medigap F in your area.  If you have any questions or if there is any way we can serve you please contact us.