Plan F is a standardized Medicare Supplement plan. All insurers offering Plan F must provide the same core benefits — only the premium and insurer vary.
What Plan F Covers
Benefit
Coverage
Part A coinsurance & hospital costs
100%
Part B copays/coinsurance
100%
Blood (first 3 pints)
100%
Part A hospice care coinsurance
100%
Skilled nursing facility coinsurance
100%
Part A deductible
100%
Part B deductible
100%
Part B excess charges
100%
Foreign travel emergency (up to plan limit)
80%
Key Facts About Plan F
Plan F is the most comprehensive Medigap plan (covers everything including Part B deductible and excess charges).
Only available to those eligible for Medicare before January 1, 2020.
Highest premium of any standard plan — but highest coverage.
2025 Medicare Cost Reference
Part B monthly premium: $203/month
Part B deductible: $283
Part A deductible (per benefit period): $1,736
High-deductible plan threshold: $2,950
Compare Plan F Quotes in Vermont
Rates vary by insurer. A free comparison takes under 2 minutes.