Medicare Supplement Plan F
2026 standardized Medigap plan
The most complete plan, covering every gap Original Medicare leaves, including both deductibles.
Availability note. Plan F can only be purchased if you were eligible for Medicare before January 1, 2020.
Plan F — At a glance
Plan F premiums by state
Medigap premiums vary widely by state, county, age & tobacco use — coverage is identical everywhere. Pick your state to see carriers and exact pricing.
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What Plan F covers
How much of each Original Medicare out-of-pocket cost this plan pays. These benefits are the same from every carrier that sells the plan.
More coverage details
How Plan F works with Original Medicare across the main cost categories.
Supplement plans are required to cover a set of standardized basic benefits set by the government. These Supplemental benefits provide additional coverage to what is covered by Original Medicare Part A (hospital insurance) and Part B (medical insurance and doctor visits).
Medicare Part A Hospital Coinsurance or Deductible
- For hospital stay days 1 - 60, Plan F pays $1340, the Part A deductible amount
- For hospital stay days 61 - 90, Plan F pays $335 per day
- For hospital stay days 91 - 150, Plan F pays $670 per day
- For an additional 365 days, Plan F pays 100% of approved expenses
- After the additional 365 days, Plan F pays $0 per day
Medicare Part A Skilled Nursing Facility Coinsurance
- For nursing facility stay days 1 - 20, Plan F pays $0 per day
- For nursing facility stay days 21 - 100, Plan F pays up to $167.50 per day
- After 100 days nursing facility stays, Plan F pays $0 per day
Medicare Part B Coinsurance or Copay
- Plan F pays $0 until you meet your $185 Part B deductible
- After Part B deductible is met, Plan F typically pays 20% of the coinsurance. Original Medicare Part B covers the other 80%
Blood Coverage
- For the first 3 pints of blood, Plan F pays 100% of the cost
- After the first 3 pints of blood, Plan F pays $0 of the cost because Original Medicare covers 100%
Some information shown on this page has been sourced from www.medicare.gov.