Medicare Supplement Plan F

Medicare Supplement Insurance Plan F* is the most comprehensive plan offered by Blue Cross and Blue Shield of Illinois. Medicare supplement Plan F is one of the most popular choices among seniors simply because it offers the most protection of all the standardized plans offered in the state. With this plan, you can count on coverage for deductibles, copays, coinsurance, and additional benefits Original Medicare does not provide.

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


Medicare has been helping seniors like you get dependable health care for generations. But it wasn’t designed to pay for everything. Out-of-pocket expenses can be high, even with Medicare benefits. Plan F takes the uncertainty out of getting quality medical care, giving deserving seniors the confidence and peace of mind they need. A plan like Blue Cross and Blue Shield Medicare Supplement Plan F offers Medicare recipients complete coverage including Part A hospital deductible and coinsurance, the cost for 365 days of hospital care after Medicare coverage ends, Part B deductible, and any Part B excess charges Medicare will not pay. It also provides supplemental Medicare coverage for hospitalization (Part A), medical services (Part B), skilled nursing facility care, hospice care, and home health care-approved services. That means Medicare Supplement Insurance Plan F pays the 20 percent remaining costs for you to receive semi-private room and board, general nursing and miscellaneous services and supplies as well as outpatient medical services, supplies and treatment, physician services, physical and speech therapy, diagnostic tests and durable medical equipment. In addition, your coinsurance for days 21-100 of skilled nursing care is covered, as are the first three pints of blood 100 percent, and 80 percent of any foreign emergency care you need up to $50,000 during your lifetime.


Wondering about Medicare supplement Plan F rates? With Medicare Supplement Insurance Plan F, you will pay a monthly premium, hospitalization costs beyond the additional 365 days after the Lifetime Reserve are used, costs after 101 days in a skilled nursing facility, $250 per calendar year for foreign care, and 20 percent of costs within the first $50,000. However, if you agree to use a Medicare SELECT participating hospital for non-emergency elective admissions, you can save on your premiums. Blue Cross and Blue Shield of Illinois will never terminate or refuse to renew your policy because of the condition of your health.

Benefits Summary

Part A deductible and coinsurance

365 extra days of hospital care after Medicare benefits end

Part B deductible, coinsurance, and 100 percent of excess charges

Skilled nursing facility copayment, hospice care, and home healthcare-approved services

100 percent coverage for the first three pints of blood

After a $250 cost, 80 percent foreign travel emergency care (up to $50,000 lifetime)


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
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

*Not connected with or endorsed by the U.S. Government or Federal Medicare Program