Medigap Plan F
The most comprehensive plan - grandfathered only
⚠ Plan F is only available to beneficiaries who became Medicare-eligible before January 1, 2020.
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Plan F is the most comprehensive Medigap plan, covering all 9 standardized benefits including the Part B deductible and excess charges. It is only available to beneficiaries who became Medicare-eligible before January 1, 2020. A High-Deductible version (HD-F) is also available at lower monthly premiums.
What Plan F Covers
- Part A coinsurance & hospital costs (365 extra days)
- Part B coinsurance / copayments
- First 3 pints of blood
- Part A hospice care coinsurance
- Skilled nursing facility coinsurance
- Part A deductible ($1,676 in 2026)
- Part B deductible ($257 in 2026)
- Part B excess charges
- Foreign travel emergency (80%)
What Plan F Does Not Cover
Plan F has no gaps - it covers all 9 standardized Medigap benefits.
Who Is Plan F Best For?
Average Cost for Plan F
In 2026, the average monthly premium for Medigap Plan F is approximately $188 per month - or about $2256 annually.
Actual premiums depend on your age, gender, tobacco status, the insurer’s pricing model (attained-age, issue-age, or community-rated), and your state. Use our free comparison tool to see real rates in your area.
Plan F vs. Other Medigap Plans
When to Enroll in Plan F
The best time to enroll in any Medigap plan is during your Medigap Open Enrollment Period. This 6-month window begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers cannot deny coverage or charge more because of your health history.
Outside this window, you may face medical underwriting unless you qualify for a Guaranteed Issue right. Enroll at the right time to lock in the best rates.
Compare Plan F to All Medigap Plans
Use the chart below to see exactly how Plan F stacks up.
Benefits offered by each Medigap plan
Compare the benefits of each lettered plan to help you find one that meets your needs now and in the future.
✔ = 100% covered ✘ = Not covered % = Partial coverage
| Benefits | A | B | C | D | F | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance & hospital costs | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| Part B copays/coinsurance | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Blood (first 3 pints) | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Part A hospice | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Skilled nursing facility | ✘ | ✘ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Part A deductible | ✘ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | 50% | ✔ |
| Part B deductible | ✘ | ✘ | ✔ | ✘ | ✔ | ✘ | ✘ | ✘ | ✘ | ✘ |
| Part B excess charges | ✘ | ✘ | ✔ | ✘ | ✔ | ✔ | ✘ | ✘ | ✘ | ✔ |
| Foreign travel emergency | ✘ | ✘ | 80% | 80% | 80% | ✘ | ✘ | ✘ | 80% | 80% |
| $7,220 | $3,610 | |||||||||
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