Medicare Supplement Plan F-high deductible
South Dakota
2026 Medicare Supplement Insurance Plan (Medigap)
Standardized Medigap plan
This plan is no longer available for people who turned 65 years old after 1/1/2020.
$34-$147 / mo Premium range across carriers and ages*
Medicare Supplement Plan F-high deductible Any provider
Monthly plan premium $34-$147
Part A hospital deductible You pay $0
Part B medical deductible You pay $0
Part B coinsurance You pay $0
F Standardized benefits Coverage is identical across carriers — only the premium differs
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What Plan F-high deductible covers
A Medicare Supplement (Medigap) plan works alongside Original Medicare and helps pay the costs it leaves for you. Plan F-high deductible benefits are standardized, so coverage is the same from any carrier — only the premium differs.
Skilled nursing facility ✓ Covered
Part A deductible ✓ Covered
Part B deductible ✓ Covered
Part B excess charges ✓ Covered
Foreign travel emergency ✓ Covered
Coverage details
What you pay for each service category with Plan F-high deductible.
Part A coinsurance
Hospital stays Days 1-60: $0Days 61-90: $0Days 91-150: $0 while using your 60 lifetime reserve daysAdditional 365 days: $0 for Medicare-eligible servicesAfter the additional 365 days: All costs
Skilled nursing facility (for Medicare-covered stays) Day 1-20: $0Days 21-100: $0After 100 days: All costs
Blood (during a hospital stay) First 3 pints: $0After 3 pints: $0
Hospice care $0
Part B coinsurance
Covered Part B services First: $0Then: $0
Preventive services $0 Generally for most preventive services Medicare covers
Part B excess charges $0
Blood (outside a hospital stay) First 3 pints: $0After 3 pints: $0
Tests for diagnostic services $0
Home healthcare — Part A & B services
Home health care (for Medicare-approved services) $0
Durable medical equipment (covered by Medicare) First: $0Then: $0
Extra benefits
Foreign travel emergency First: $250Then: 20% and amounts over the $50,000 lifetime maximum
*Monthly costs shown do not include the standard Part B premium. 2026 Medicare Part B premium is $174.70 per month.
Insurance companies offering this plan
Plan F-high deductible coverage is identical from every carrier below — compare them on price and service.
Philadelphia American Life Insurance Company
Bankers Fidelity Life Insurance Company
Humana
United American Insurance Company
American Continental Insurance CompanyWhen can I sign up for Medicare?
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