Is Medicare Supplement Plan F Going Away?

Fact Checked
Expert reviewed by: Ron Elledge, Medicare consultant
Published: 4/30/2021


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Ron Elledge
Medicare Consultant and Author
Ron Elledge
Medicare Consultant and Author

Ron Elledge is a seasoned Medicare consultant and author of “Medicare Made Easy.” As a Medicare expert, he regularly consults beneficiaries on Medicare rules, regulations, and strategies.

Medicare Supplement Plan F was originally designed to be the most comprehensive plan of the 10 standardized Medigap supplemental insurance plans. Plan F is still available for people who were eligible for Medicare before January 1st, 2020. However, anyone who became eligible for Medicare on or after Jan 1, 2020 can no longer enroll in Part F.

Understanding Medicare Part F Changes:

  • Medicare Part F has not been discontinued, but it is only available for people who were eligible for Medicare before Jan 1, 2020.
  • If you were previously enrolled in Part F, your enrollment will remain active unless you choose a different plan or fail to pay any applicable premiums.
  • You can still enroll in Medicare Part F if you were newly eligible for Medicare before January 1, 2020.
  • For those who are eligible, there are two types of Plan F coverage available: standard and high-deductible.

Is Medicare Plan F Being Phased Out?

Medicare Plan F is one of the 10 Medicare supplemental insurance plans available. It is the most comprehensive plan, covering 100% of the available benefits included in the plans. As of 2015, Medicare Plan F is no longer longer available to anyone who became eligible for Medicare after January 1st, 2020. However, Plan F is still available for anyone who was enrolled in the plan previously who became eligible for Medicare before that date. Additionally, if you were eligible for Medicare before January 1st, 2020, but elected to delay coverage, you may still be able to enroll in Plan F if you choose.

As the National Association of Insurance Commissioners explains, the changes to Medicare Plan F are a result of the The Medicare Access and CHIP Reauthorization Act (MACRA), which was made law in 2015. Although the law didn’t directly change Plan F, it did prohibit the sale of any Medigap policies that covered Part B deductibles to newly eligible individuals after January 1, 2020. This part of the law affected both Medicare supplement plans C and F, because they are the only two plans out of the 10 available Medicare supplement plans that cover the Part B deductible.

Who is Still Eligible for Medicare Plan F?

If you became newly eligible for Medicare before January 1, 2020 and are already enrolled in a Medicare supplement Plan F, you can continue to keep your plan.

You can keep your enrollment in Plan F if you were eligible for Medicare before January 1, 2020 because once you are in a Medicare supplement plan, you are guaranteed renewable coverage as long as you continue to pay your premium. You can not be disenrolled from a plan unless you choose to change plans or fail to pay your premiums.

Additionally, if you became newly eligible for Medicare before January 1, 2020 and chose to delay coverage, you are still eligible to enroll in a Medicare supplement plan F. If you chose to delay enrollment in Medicare, you may be subject to late enrollment penalties that will have to be paid along with your plan’s premium.

Can You Still Get Medicare Plan F?

You cannot enroll in Medicare Plan F if you were newly eligible to Medicare on or after January 1, 2020. However, if you were newly eligible for Medicare before that date, you can still choose to enroll in Medicare supplement Plan F. You can also keep your Plan F coverage if you were already enrolled in the plan and did not become newly eligible for Medicare on or after January 1, 2020.

Are Medicare Plan F Rates Changing?

There are two types of Plan F coverage options: a standard option that requires a monthly premium, just like any other Medicare supplement insurance plan. The other option is a high-deductible plan with a lower monthly premium. With the high-deductible Plan F option, you must pay your entire deductible amount before the plan will cover any associated healthcare costs.

The deductible for the high-deductible Plan F goes up every year. The Centers for Medicare and Medicaid Services explains that the exact amount the deductible increases is determined by the Social Security Act. That amount from 2019 to 2020 was 1.3%, which makes the 2021 deductible for Plans F, G, and J $2,370.

For the standard Plan F plan, the rates are set by the individual private insurance companies, so the exact cost can vary based on the insurance company option, as well as the state you live in. With either plan, you’ll also have to pay a $250 annual deductible for foreign travel emergency healthcare coverage as well.

What Will Replace Medicare Plan F?

There is no plan that completely replaces Medicare Part F, but the closest available Medicare supplement plan is Plan G. Like Plan F, Plan G covers 100% of many benefits, including:

  • Part A coinsurance and hospital costs
  • Part B copays/coinsurance (not deductibles)
  • 3 initial pints of blood
  • Part A hospice
  • Skilled nursing facility
  • Part A deductible
  • Part B excess charges

Plan G also covers 80% of foreign travel emergency healthcare after you meet a $250 yearly deductible. The only difference between Plan F and Plan G is that Plan G does not cover a Part B deductible, so it is the closest plan available.

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