Supplemental Plan F
Medicare Supplement Plan F is generally regarded as the most comprehensive plan out of the ten Medicare Supplement (Medigap) policies available in most states. Its extensive coverage makes this a popular plan for beneficiaries who want broader assistance with out-of-pocket costs in Original Medicare; however, this also means that premiums may be more expensive. Because Plan F covers most remaining hospital and doctor costs after Original Medicare (Part A and Part B) has paid its share, it’s possible for beneficiaries with this plan to not have any or minimal other hospital and medical expenses.
Medicare Supplement coverage is sold by private insurance companies, which aren’t required to offer all ten of the Medigap plan types offered in most states. However, they must offer at least Plan A if they offer any Medigap policy, and must also offer Plan C or Plan F, if they offer any Medigap plans other than Plan A. Because of its popularity, many insurance companies offer Plan F. Plan availability varies by location, so always research and compare plan options for your specific zip code and county.