Medicare Supplement Insurance High Deductible Plan F* has the same benefits as Medicare Supplement Insurance Plan F* after you pay an annual $2700 deductible. The deductible amount represents the annual out-of-pocket expenses (excluding premiums) that you must pay before the policy begins paying benefits.
Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy, which includes the Medicare deductibles for Part A and Part B, but not the separate foreign travel emergency deductible.

By having a high deductible, your premiums are significantly lower than Medicare Supplement Insurance Plan F.

Medicare Supplement Plan F and High Deductible Plan F are only available to those individuals who turned 65 before January 1, 2020.

Costs you can expect to pay

Medicare Part A deductible

Medicare Part B deductible

Plan Covers

Your Part A deductible and coinsurance

Your Part B coinsurance and the cost of the first three pints of blood

Benefits from this plan will not begin until your out-of-pocket expenses total $2,700 Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy.

Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy, which includes the Medicare deductibles for Part A and Part B, but not the separate foreign travel emergency deductible.

The Medicare deductibles for Part A and B.

Medicare Part A hospital deductible and copayments

Skilled nursing facility copayment

$226 Part B Medicare deductible

Part B doctor charges that are in excess of Medicare-approved amounts

The cost of 365 extra days of hospital care during your lifetime after Medicare coverage

These expenses do NOT include a separate $250 foreign travel emergency deductible.

	Basic Benefit Options		Premier Plan Options			Budget-Conscious Plan Options
Click Plan Letter to see complete Details	Plan A	Plan B	Plan C	Plan F	Plan G	High Deductible Plan F			Plan N*
Reduced Premium Medicare Select Options Available (eligibility based on ZIP code)
Basic Benefits	100%	100%	100%	100%	100%	100%			copay applies
Skilled Nursing Coinsurance			100%	100%	100%	100%			100%
Part A Deductible		100%	100%	100%	100%	100%			100%
Part B Deductible			100%	100%		100%
Part B Excess				100%	100%	100%
Foreign Travel Emergency Care

Medicare Supplement Plan F and High Deductible Plan F are only available to those individuals who turned 65 before January 1, 2020.

*Plans K-N provide for different cost-sharing than plans A-G.
Plans K and L pay 100% of hospitalization and preventive care Basic Benefits. All other Basic Benefits are paid at 50% (Plan K) and 75% (Plan L). Once you reach the annual limit, the plan pays 100% of the Medicare copayments, coinsurance, and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges from your provider that exceed Medicare-approved amounts, called “excess charges.” You are responsible for paying excess charges.
Plan N covers Basic Benefits after a $20 copay for office visits and a $50 copay for emergency room visits.
**The out-of-pocket annual limit may increase each year for inflation. (2024 limits shown)
† Network restrictions apply