Medigap, Part F: What’s That?
Let’s start with the basics. Medicare has Parts A, B, C, and D. These cover hospital, medical, Medicare Advantage, and prescription drug benefits respectively. Medigap, on the other hand, includes Plans A through N.
So, there’s no such thing as “Medicare Part F” — it’s Plan F, and it’s part of the Medigap lineup designed to work alongside Original Medicare (Parts A and B).
Plan F is often called the “luxury sedan” of Medicare Supplement plans as it pays for all approved claims at 100%. There are no deductibles or copays.
Plan F Coverage Details for 2025
Plan F provides first-dollar coverage, meaning that once Medicare approves a claim, your supplement steps in and covers the rest. Here’s what it pays for:
- Part A deductible and coinsurance ($1,676 in 2025)
- Part B deductible ($257 in 2025)
- Part B coinsurance and excess charges
- Skilled nursing facility coinsurance
- Part A hospice care coinsurance/copayment
- First three pints of blood each year
- 80% of foreign travel emergency costs
With Plan F, you don’t pay anything out-of-pocket for Medicare-covered services. No copays. No deductibles. No surprises.
Who Can Still Get Plan F?
Plan F is only available to people who were eligible for Medicare before January 1, 2020. If that’s you, and you haven’t signed up yet, you may still have access.
If you already have Plan F, you can certainly keep it. Your coverage is guaranteed renewable for life, as long as you pay your premiums.
What Does Plan F Cost in 2025?
Premiums for Plan F can vary quite a bit based on your age, location, and how the insurer prices the policy. All of these factors have a large influence on your cost. With that said, here are national averages for 2025:
| Coverage Option | Avg Monthly Premium | Annual Cost |
|---|---|---|
| Standard Plan F | ~$227.83 (range: $166–$298+) | ~$2,734 |
| High-Deductible Plan F | ~$82.50 (deductible: $2,870/year) | ~$990 |
Plan F premiums often rise over time, especially if your policy uses attained-age pricing (more on that in a minute).
Plan F vs. Plan G – Luxury Sedan vs. Nearly Identical SUV 🚗🚗
Plan G has become the go-to alternative since Plan F closed to new Medicare beneficiaries. The only difference? Plan G doesn’t cover the Part B deductible ($257 in 2025).
| Feature | Plan F | Plan G |
| Part A deductible & coinsurance | ✅ | ✅ |
| Part B deductible ($257) | ✅ | ❌ |
| Part B coinsurance & excess charges | ✅ | ✅ |
| Skilled nursing, hospice, blood, travel emergency | ✅ | ✅ |
| Eligibility | Pre-2020 only | Available to all |
| Avg Monthly Cost | ~$228 | ~$157 |
Savings Tip: If Plan F costs more than $21.42/month than Plan G, you’re likely better off choosing Plan G and paying the deductible yourself (NerdWallet).
How Are Plan Premiums Priced?
Insurers use one of three pricing methods:
- Community-rated: Everyone pays the same regardless of age.
- Issue-age-rated: Premiums are based on your age when you buy and don’t increase due to aging.
- Attained-age-rated: Your premium goes up as you get older.
Most Plan F policies use attained-age pricing, which means premiums can increase as the policyholder ages. If you’re shopping for a new policy and qualify for Plan F, ask how it’s rated.
What Plan F (and All Medigap Plans) Doesn’t Cover
Medigap plans, including Plan F, only work with Original Medicare (Parts A & B). That means they don’t cover:
- Prescription drugs (you’ll need a separate Part D plan)
- Dental, vision, or hearing services
- Long-term care or custodial care
- Routine foot care or cosmetic procedures
- Wellness programs or gym memberships
You may want to pair Plan F with a standalone dental/vision plan or a Part D drug plan.
Final Thoughts: Is Plan F Still Worth It?
If you were eligible for Medicare before January 1, 2020, Plan F is still on the table. And for some, it still makes sense. It offers unmatched peace of mind with zero out-of-pocket medical costs. But with premiums on the rise and more limited availability, Plan G is often a better value.
The key is comparing premiums. If you’re paying more than ~$21/month over Plan G’s rate, consider the switch (if allowed in your state). But if you already have Plan F and like the simplicity? There’s no reason to change.
Plan F is the “luxury sedan” of Medigap plans. It might be a little more expensive to own, but for those who value a smooth, worry-free ride, it’s still the true classic.
Want to Explore Your Options?
Let us walk you through Plan F, Plan G, or Plan N. Whatever might fit your needs and budget. We’ll help you find the right balance of cost and coverage.
Not sure if Plan F is your best fit? Compare it with Plan N here or explore our Medicare Advantage options.
And for official Medicare Supplement benefit comparisons, see the CMS Medigap Plan Comparison Grid.
Maple Valley Insurance Group — Independent Medicare Insurance Experts.
