Legacy PlanMost Comprehensive
Medicare Supplement Plan F
Plan F provided the most comprehensive coverage available, including the Part B deductible. However, it's no longer available to new Medicare enrollees who became eligible after January 1, 2020. If you're already on Plan F, you can keep it.
Age 65 avg
$172/mo
Age 75 avg
$235/mo
✅ What Plan F Covers
- ✓ Part A hospital coinsurance and costs up to an additional 365 days after Medicare benefits are exhausted
- ✓ Part A hospice care coinsurance or copayment
- ✓ Part A deductible ($1,632 in 2024)
- ✓ Part B deductible ($240 in 2024)
- ✓ Part B coinsurance or copayment
- ✓ Part B excess charges
- ✓ Skilled nursing facility care coinsurance
- ✓ First three pints of blood
- ✓ 80% of foreign travel emergency care (up to plan limits)
❌ What Plan F Doesn't Cover
- ✗ Prescription drugs (requires separate Part D plan)
- ✗ Dental, vision, hearing
- ✗ Long-term care
How Plan F Compares
Plan F vs Plan G: Plan F costs $40-70 more per month than Plan G but covers the $240 Part B deductible. You'd need to use it 2-3+ times per year for Plan F to make financial sense. Most people are better served by Plan G.
Plan F Rates by Carrier (Age 65)
Plan F — age 65, female non-smoker estimate
Carrier | Monthly Rate | Rating |
|---|---|---|
| Aetna | $178/mo | A |
| Aflac | $164/mo | A+ |
| Anthem Blue Cross Blue Shield | $184/mo | A |
| CIGNA | $169/mo | A |
| Humana | $183/mo | A- |
| Manhattan Life | $160/mo | A- |
| Best ValueMedico | $156/mo | A |
| Mutual of Omaha | $175/mo | A+ |
| United American | $158/mo | A |
| UnitedHealthcare (AARP) | $198/mo | A+ |
Plan F Rates by State (Age 65)
Sorted lowest to highest
Carrier | Monthly Rate | Rating |
|---|---|---|
| Arizona | $168/mo | AZ |
| California | $189/mo | CA |
| Colorado | $162/mo | CO |
| Delaware | $175/mo | DE |
| Florida | $182/mo | FL |
| Georgia | $164/mo | GA |
| Iowa | $153/mo | IA |
| Kansas | $156/mo | KS |
| Kentucky | $160/mo | KY |
| Missouri | $158/mo | MO |
| Nebraska | $151/mo | NE |
| New Jersey | $228/mo | NJ |
| North Carolina | $166/mo | NC |
| Ohio | $161/mo | OH |
| South Carolina | $165/mo | SC |
| South Dakota | $148/mo | SD |
| Tennessee | $163/mo | TN |
| Texas | $172/mo | TX |
Plan F in Arizona →Plan F in California →Plan F in Colorado →Plan F in Delaware →Plan F in Florida →Plan F in Georgia →Plan F in Iowa →Plan F in Kansas →Plan F in Kentucky →Plan F in Missouri →Plan F in Nebraska →Plan F in New Jersey →Plan F in North Carolina →Plan F in Ohio →Plan F in South Carolina →Plan F in South Dakota →Plan F in Tennessee →Plan F in Texas →
Quick Savings Estimator
Enter your current monthly premium to see your potential savings.
$
Find the Best Plan F Rate in Your State
Compare all carriers in minutes. Our agents find the lowest price for identical coverage.
- Same exact coverage, lower price
- Takes less than 5 minutes
- No obligation, no spam
Free service · Licensed agents · No obligation
Medicare Supplement Plan F FAQ
Part A hospital coinsurance and costs up to an additional 365 days after Medicare benefits are exhausted; Part A hospice care coinsurance or copayment; Part A deductible ($1,632 in 2024); Part B deductible ($240 in 2024); Part B coinsurance or copayment.