Medicare Part F is an important component of making sure you are covered if you are about to turn 65 or already on Medicare. In fact, a Medicare supplement is critical because Medicare alone will leave you lacking significant protection. In fact, Medicare Supplement Plan F – another way the Medicare supplement plan is described – covers Medicare deductible costs, including your copays and coinsurance costs. With a Medicare supplement Plan F, you can get the care you deserve with nothing additional out of your pocket.

What are Medicare Part F Plans?

Medigap Plan F is the best way to protect both your health and your pocketbook. What is Medicare Plan F? Simply put, Medigap plans, or Medicare Supplement Plans, are policies that pays your out-of-pocket costs after Medicare pays for what it covers. Medicare Plan F covers deductibles, copays, and coinsurance costs that normally would come out of your pocket.  Medigap plans do not take the place of your Medicare Part B; in fact, you have to be in enrolled in both Medicare Part A and Medicare Part B to be eligible for Medicare Supplement Plans, including Medicare Supplement Plan F.

Medicare Supplement Plan F is the Best to Protect You

Those who depend on Medicare also have depended on Medicare Supplement Plan F in extraordinary numbers. As the Baby Boom Generation has aged into the Medicare, Medicare Plan F has been the “go to” Medicare supplement insurance on which that generation has most depe

Call 1-800-MEDIGAP to Get Your Medicare Part F Policy

As you  work your way through what can be a complicated process to get your Medicare Part F policy, 1-800-MEDIGAP is happy to assist you to make the process as easy as it can be. 1-800-MEDIGAP is not Medicare, and is not part of the government; 1-800-MEDIGAP helps individual looking for Medicare supplemental insurance like Medicare Part F. So, if you have Medicare Parts A and B, and you want to protect your pocketbook, the best way to do that is by calling getting Medicare supplemental plans like Medicare Part F.

Medicare Supplement Plan F Covers All Your Out of Pocket Costs

Medicare Plan F policies are considered “first dollar coverage.” That means once Medicare pays its part of your health care costs, the Medicare supplement plan steps in and takes care of all your coinsurance, and deductibles. The result is that you do not have to come up with any additional money for your health care. Medigap Plan F pays all your out-of-pocket costs.

Medicare Plan F fully covers both your Part A hospital deductible and your Part B outpatient deductible costs. Medicare Plan F covers entire 20% that Medicare Part B normally leaves for you to pay out of your own money. Medicare Plan F covers it all, including the Part B excess charges – the standard 15% excess charge that doctors under Medicare are allowed to charge for Part B services. And the benefits are good at any doctor anywhere in the country.

Go to the Specialist Doctor of Your Choice with Medicare Supplement Plan F

You do not have to get a referral to go to a specialist. Medicare supplement Medigap plans allow you to see any Medicare specialist whenever you like, without a referral. You are not required to get a referral from your primary care doctor like so many other insurance plans require. This is yet another reason why Medicare Supplement Plan F is the right choice for Medicare patients like you.

No More Copays EVER with Medicare Supplement Plan F

For most of your life, a copay was a part of every visit to the doctor, a specialist, the emergency room, or after a hospital stay. With Medicare Supplement Plan F, you never have to reach for your pocketbook again at the doctor’s office or hospital. Medicare Part F covers all the gaps in Medicare, which is why 1-800-MEDIGAP is the number to call to become a Medicare Part F subscriber. ZERO out of pocket costs at your doctor. And, if your health changes, your coverage under a Medicare Supplement Plan F won’t; it is guaranteed renewable and cannot be canceled due to changes in health or how many times you file a claim.

What Does My Medicare Plan F Cover?

Here is how a Medicare Supplement Plan F can help you. First, let’s look at the worst case scenario: You have not bought a Medicare Supplement Plan F. In that case, you would owe a $1,384 deductible (which is the 2019 Part A deductible) for a hospital visit. On top of that you also would pay 20% of costs for expensive medical procedures like a life-saving surgery. That is because Part B only pays 80% of your costs. That could easily add up to the tens of thousands of dollars for the procedures that will save your life. If you had a Medigap Medicare Supplement Plan F policy your costs would be zero – not one thin dime. Broken down, here is what a Medicare Plan F can do for you:

  • Plan F fully covers both your Part A hospital deductible and your Part B outpatient deductible
  • It covers all of the 20% that Medicare Part B normally leaves for you to pay
  • Medicare Plan F covers all Part B excess charges. You will never pay the standard 15% excess charges that doctors under Medicare are allowed to charge for Part B services
  • You can choose any doctor anywhere in the country.
  • No referrals required! Medigap plans allow you to see any Medicare specialist whenever you like. You are not required to get a referral from your primary care doctor.
  • Guaranteed renewable. Your coverage can never be canceled due to health conditions or the number of claims you file.

As you can see, Medicare supplement Plan F coverage is thorough and buys you peace of mind. Many people also ask us: Are all Medicare Plan F the same? The  answer is yes. No matter which insurance company you buy your policy from, the benefits are the same.

Where Can I Get a Medicare Supplement Plan F?

Several outstanding insurance companies with great reputations that offer Medicare Supplement Plan F policies. You can call 1-800-MEDIGAP or click here to get more information on then and begin the process to protect your physical health and financial health.

Medicare Supplement Plan F Will Pays Deductibles and Co-insurance

Let’s look at a real world example of how Medicare Part F can make a difference in your health you’re your budget. Take Clifford: he looks for a Plan F Medigap by calling 1-800-MEDIGAP, gets connected with an insurance company and approved for a Medicare Supplement Plan F. The next year falls and hurts his knee and has to see an orthopedist about the terrible pain. Just like it is supposed to, Medicare pays 80% of the cost of the visit. Because Clifford got a Plan F, it covers the other 20% owed under Part B. Clifford can focus on getting better because he got a Medicare Supplement Plan F and owes nothing.

But Clifford is not done yet. He has to go to have his knee imaged by an MRI. Again, Medicare pays 80% of the cost of the MRI. Medicare F pays the other 20%. Again, Clifford only has to worry about getting better, not his budget, because with the Medicare Supplement Plan F, Clifford has no copay, coinsurance, or deductible. Clifford is not done yet. The MRI shows serious problems with his knee and Clifford is going to have to have a knew replacement. For someone without a Medicare Supplement Part F, this would be devastating and on top of worrying about the surgery, those individuals will have to worry about how to pay for the surgery. Clifford, though, undergoes surgery at the local hospital has to stay several days. Then, Clifford will have to have a home health care nurse come out several times after the surgery.

Let’s say the total cost of Clifford’s surgery and care  is $100,000. Medicare pays its share of the bills and would stick Clifford with a $20,000 bill for the rest. However, with the Medicare Supplement Part F, the insurance company pays the entire bill, and Clifford can rest easy that his care is covered and he can focus what it takes to get full function out of his new knee.

We Know What it Saves. What Does Medicare F Cost?

Like any insurance, costs for Medicare Plan F are dependent on a number of things. Among the criteria that will determine the monthly cost of Medicare supplement pans are location, gender, zip code, and whether the applicant has used or is using tobacco. In a lot of places, the price is under $150 a month for a 65-year-old female. You can call 1-800-MEDIGAP or click here to start the process for getting quote on Medicare Supplement Plan F. Like most insurances, Medicare Supplement Plan F cost for men will be slightly higher than it is for women. If you use tobacco, obviously the cost will be higher for Medigap Plan F than for those who do not use tobacco. By calling 1-800-MEDIGAP or clicking here, you can start the process to find companies who offer household discounts for their Medicare supplement policies.

Sometimes, when a person has had a Medicare Supplement Plan F, they are very happy with the coverage and are afraid to change carriers. The benefits among all the Medicare Supplement Plan F carriers are the same. The only differences are in costs, not benefits. That means, when you find the lowest cost Medicare Supplement Plan it is the best Medicare Supplicant Plan for you. Your benefits will be the same with every Medicare Supplement Plan F from any company, so you owe it to yourself to call 1-800-MEDIGAP or click here to see if there is a more cost effective plan for you. And, you should check every year among the insurance companies to find the cheapest Medigap Plan F in your area.

Plan F & Plan G – Find the Best Medicare Supplement Plan for You

Some people find Medicare supplemental insurance to be complicated. That’s the reason 1-800-MEDIGAP, America’s trusted source for Medicare supplemental insurance, is such a great tool; it helps you begin your journey to find the best Medicare supplement plan for you. Along with Plan F, there is now Plan G. We compare prices for both Plan F vs Plan G for nearly all new clients to see if we can save our clients money with one Medicare Supplement Plan over another. You may wonder what the difference between Medigap Plan F and G and which is better? Plan G coverage is a lot like Medicare supplement Plan F with one exception, and that is how it relates to the Part B deductible. On Plan G, you have to pay the once-annual Part B deductible yourself. On the “up” side, the premiums can be quite a bit cheaper, and you pocket the savings. It really depends on your situation as to which is best for you, and that is why it makes sense to call 1-800-MEDIGAP or click here to find out which works best for your situation. 1-800-MEDIGAP can help you connect to the insurance carrier that can offer you the largest long-term savings and benefits based on your specific situation.

1-800-MEDIGAP is Your First Step to Confidence when Choosing Your Medicare Supplement Plan

From answers to the “Top 10 Medicare Supplement Plans” to explanations about the types of insurance, you will be able to see why 1-800-MEDIGAP is “America’s Trusted Source for Medicare Insurance”! Get the peace of mind you have earned and you deserve: call 1-800-MEDIGAP or click here today to begin the process of getting the best Medicare Supplement Plan for you! While we often hear that “the first step is always the hardest,” with 1-800-MEDIGAP, the first step is one of the easiest. Working with America’s Trusted Source for Medicare Insurance will help you find the best Medicare supplemental insurance plans to help you stay healthy – and keep your pocketbook healthy – for years to come. Call or click today: 1-800-MEDIGAP, for the Medicare Supplemental Insurance that is right for you!