Skip to content
REMEDIGAP
Free Course
Get Personalized Help
Phone 888-411-1329
  • Information CenterExpand
    • Our Education Center

      Start your Medicare education with these resources

      Start Here
      Medicare Plans
      Medicare Basics

      The foundations of Medicare education

      Parts of Medicare

      Walkthrough Medicare Parts A, B, C and D

      Enrollment Periods

      Learn when you need to enroll

      Supplement Plans

      Learn about popular plans like Plan N, G & more

      Part D Drug Plans

      Learn about stand alone drug plans

      Advantage Plans

      Also known as Medicare Part C

      Resources
      About Us
      Free Quotes

      Compare Supplement plans in your area

      Free Course

      The #1 Medicare course available for FREE

      Personalized Help

      Get 1-On-1 help from us when you’re ready

      Help Is Here

      Experience our unmatched personalized service

      5-Star Support

      See how we’ve helped thousands of retirees

      Learning Resources

      Our educational resource hub

REMEDIGAP
Home / Medicare Supplements / Is Medicare Plan F Going Away?
Medicare Supplements

Is Medicare Plan F Going Away?

By:Michael Quinn > Fact checked by: Joann Quinn Published onSeptember 23, 2020August 8, 2023 Updated onAugust 8, 2023

Is Medicare Plan F going away? Yes, but it’s not going away for everyone.

In this article we’ll discuss:
  • When is Medigap plan f going away?
  • why is plan f being discontinued?
  • Medicare Supplement Plan F Benefits
  • Can you Keep your Medicare Supplement Plan F?
  • What Options are available If I Can't buy Medigap Plan F?
  • Medigap Plan F FAQ

Have you been hearing rumors that Medicare Supplement Plan F (also known as Medigap Plan F) is going away? It’s true,  but not for all Medicare beneficiaries. Anyone who currently has Medigap Plan F (or Hi-Deductible Plan F) will be allowed to keep it. If you currently don’t have Plan F, it’s possible that you may be eligible to enroll sometime in the future.

When is medigap plan f going away?

Beginning on January 1st, 2020, Medicare Supplement plans F and C will no longer be available and sold to anyone who is newly eligible to Medicare. These changes to these plans is part of the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA), also known as the .

why is plan f being discontinued?

It boils down to something called “first dollar coverage.”

First dollar coverage refers to a type of insurance policy that does not require a deductible payment when an insurable event occurs. The insurer is on the hook for that payment. Medicare Supplement Plan F covers 100% of your Part B deductible which makes it “first dollar coverage.”

The purpose of discontinuing Plan F is to make sure that all Medicare beneficiaries are responsible for some out-of-pocket expenses when they are provided healthcare services.

Plan F is costly

The theory is this: If Medigap Plan F provides coverage for all of your out-of-pocket spending, then you may be more likely to go to your doctor for any minor health issue. Every appointment will cost money that Medicare and the government will have to cover and pay.

Medicare Supplement Plan F Benefits

Every lettered Medigap plan has a specific set of benefits. In the chart below, you’ll be able to see what Medicare Supplement Plan F can cover:

Medicare Supplement BenefitsPlan F Covers?
Medicare Part A Coinsurance & hospital costs (up to additional 365 days after medicare benefits are usedYes
Medicare Part B coinsurance or CopaymentYes
Blood (first 3 pints) 3Yes
Part A Hospice care coinsurance or copaymentYes
Skilled nursing facility care coinsuranceYes
Part A deductibleYes
Part B deductibleYes
Part B Excess chargesYes
Foreign travel emergency (up to plan limits)Yes

Can you Keep your Medicare Supplement Plan F?

Is Plan F going away for those who have it already? No, it is not.

If you are Medicare eligible and your Part A started before January 1, 2020, then you will be able to keep your Medigap Plan F. You will not need to renew or re-enroll in your plan each year, but you must pay your Plan F premiums on time to continue coverage.

You also have the opportunity to change to another Medigap insurance company that sells Plan F in the future. This is great if another insurer sells their plan at a lower rate.

Who can keep Plan F?

Medicare Eligible Before 2020
Medicare Eligible After 2020

What Options are available If I Can’t buy Medigap Plan F?

Don’t panic if you’re not be able to purchase a Medigap Plan F. There are some great options available such as Medicare Supplement Plan G vs Plan N.

Plan G and Plan F are almost identical in coverage. In fact many people choose to buy it even when Plan F is available.

Medicare Supplement Plan G provides beneficiaries almost the exact same benefits as Medigap Plan F.

There is one difference when comparing benefits between Plan G and Plan F. With Plan G , your Medicare Part B deductible is not covered under the plan. 

Here is how it works: Once you meet and pay your deductible, Medigap Plan G works exactly the same as a Plan F. The benefits of these plans include protection from copays, coinsurance and the typical 20% gap in Medicare coverage.

Plan G Savings

With Plan G, you don’t just get similar coverage as Plan F. The cost of a Plan G are frequently less expensive than what you’ll pay for Plan F. The overall cost savings occur even when you factor in the deductible amount that you’re responsible for with Plan G.
Anyone eligible for Medigap Plan F should look into Plan G and see if it will save them money.

Here are some of the most popular plans available. This table will allow you to compare Medigap Plan F benefits with Medigap Plan N, G and D. 

BenefitsPlan FPlan GPlan DPlan N
Part A deductible100%100%100%100%
Part A coinsurance and hospital costs100%100%100%100%
Part A skilled
nursing facility coinsurance
100%100%100%100%
Part A hospice coinsurance and copays100%100%100%100%
Part B deductible100%N/AN/AN/A
Part B coinsurance and copays100%100%100%100% (except some copays)
Part B excess charges100%100%N/AN/A
Blood (first three pints)100%100%100%100%
International travel80%80%80%80%

Medigap Plan F FAQ

Will Plan F Premiums Rise After 2020?

Premium increases are always concerning. Some Plan F beneficiaries are worried about their premium prices increasing in the future. It is definitely possible. Rates often increase with inflation and some companies raise premiums while others remain more stable.

Why Is Plan F High Deductible Going Away?

High Deductible Plan F will no longer be available after 2020 along with Medicare Supplement Plan F and C. Since Plan F is discontinued and Hi-deductible Plan F is connected to Plan F benefits, it is also being discontinued.

  • Is Buying Medigap Plan F a Good Idea?
  • Issue Age vs Attained Age Medigap Plans
  • What Is The Medicare Appeals Process?
Michael Quinn
Website

Michael Quinn is a seasoned Medicare insurance expert and licensed agent dedicated to simplifying the complexities of healthcare coverage. With over a decade of experience, he is a trusted advisor known for his compassionate guidance and commitment to empowering individuals. As the Cofounder of REMEDIGAP in 2013, Michael offers unbiased resources and personalized support to assist clients in making informed decisions.
His expertise has been recognized on reputable platforms such as USA Today and Nerdwallet, solidifying his reputation as a reliable and knowledgeable industry leader. With a Master's Degree in Communicative Disorders, Michael combines strong communication skills with a genuine passion for positively impacting lives through tailored insurance solutions.

Joann Quinn
Cofounder & Chief Compliance Officer at REMEDIGAP | Website

Joann Quinn is the Chief Compliance Officer and Cofounder of REMEDIGAP. She is a licensed Medicare agent in 47 states. Her main role is to provide essential resources and tools to educate eligible individuals on Medicare. Joann provides helpful Medicare education to thousands of viewers with our popular REMEDIGAP YouTube channel. With expertise in Medicare Supplement, Medicare Advantage, and Medicare Part D, Joann is a highly knowledgeable and sought after Medicare insurance professional.

  • Joann Quinn
    https://www.remedigap.com/author/joann-quinn/
    Navigating Medicare Enrollment: What Every New Applicant Must Know
  • Joann Quinn
    https://www.remedigap.com/author/joann-quinn/
    Medicare Donut Hole: What is a donut hole in Medicare?
  • Joann Quinn
    https://www.remedigap.com/author/joann-quinn/
    Medicare Supplement High Deductible Plan G: A Comprehensive Guide
  • Joann Quinn
    https://www.remedigap.com/author/joann-quinn/
    Are medical alert systems covered by medicare?

Medicare Supplement Plans

Medicare Supplement Plan A

Medicare Supplement Plan B

Medicare Supplement Plan C

Medicare Supplement Plan D

Medicare Supplement Plan K

Medicare Supplement Plan L

Medicare Supplement Plan M

High Deductible Plan F

High Deductible Plan G

Medicare Supplement Plan G

Medicare Supplement Plan N

Medicare Supplement Plan F

  • Author
  • Fact checked

About the author

[molongui_author_box]

michael quinn insurance

Content Editor

Michael Quinn > Fact checked by: Joann Quinn

Learn more

Written by Michael Quinn
Licensed Broker, REMEDIGAP Founder

Fact Checked by Joann Quinn
Chief Compliance Officer

Fact Checked

As a licensed insurance broker, REMEDIGAP upholds the principles of integrity in our editorial standards and ensures transparency in how we receive compensation from our insurance partners.

Talk with a Medicare expert

Schedule a free call by clicking below or call us now at
888-411-1329

Get Personalized Help

FREE Medicare Course

Get our 7 daily Medicare lessons delivered directly to your email inbox.

Sign Up Now

Popular

  • Testimonials
  • Video
  • Blog

About

  • About Us
  • Privacy Policy
  • Licenses

Get Instant Medicare Supplement Plan Rates Now

Compare Top Plans in Your Area for Free - Act Now!

Compare Plans Today!

Not connected with or endorsed by the United States government or the federal Medicare program

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Medicare has neither reviewed nor endorsed this information. Not connected with or endorsed by the United States government or the federal Medicare program. While we have done our best to ensure all rates shown are accurate, human error is possible. In the rare event of a pricing mistake, the carrier’s rates will always supersede whatever price appears on our website.

REMEDIGAP.com is privately owned & operated by The Quinn Group, LLC. Licensed name varies by state: The Quinn Group LLC, Quinn Insurance Services, Quinn Premier Insurance Services

© 2025 REMEDIGAP | All Rights Reserved | Privacy Policy

Fact Checked

This article has been thoroughly reviewed by the author and third-party life insurance experts to ensure it adheres to our quality standards for accurate and honest advice.

Learn more about our editorial standards.

Fact Checked

This article has been thoroughly reviewed by the author and a licensed Medicare insurance expert to ensure our content adheres to the highest quality standards for accuracy and honest advice.

Learn more about our editorial standards
Michael Quinn

Michael Quinn

Licensed Agent, REMEDIGAP Founder

Michael Quinn is a nationally licensed insurance expert with over a decade of experience and has helped over 1000 clients with their Medicare Supplement needs. Michael has been consulted as an expert insurance source for dozens of high-profile websites such as USA Today, Yahoo.com, NerdWallet, Bankrate, ThinkAdvisor, The Epoch Times, and many more.

  • Facebook
  • YouTube
  • LinkedIn
joann quinn medicare

Joann Quinn

Licensed Agent, REMEDIGAP Founder

Joann Quinn is a nationally licensed insurance expert with over a decade of experience and has personally helped thousands of clients with their Medicare Supplement questions and needs. Joann has been consulted as a Medicare expert for high-profile websites and runs a very popular YouTube channel that focuses on understanding the complexities of Medicare.

  • Facebook
  • YouTube
  • LinkedIn
  • Information Center
    • Our Education Center

      Start your Medicare education with these resources

      Start Here
      Medicare Plans
      Medicare Basics

      The foundations of Medicare education

      Parts of Medicare

      Walkthrough Medicare Parts A, B, C and D

      Enrollment Periods

      Learn when you need to enroll

      Supplement Plans

      Learn about popular plans like Plan N, G & more

      Part D Drug Plans

      Learn about stand alone drug plans

      Advantage Plans

      Also known as Medicare Part C

      Resources
      About Us
      Free Quotes

      Compare Supplement plans in your area

      Free Course

      The #1 Medicare course available for FREE

      Personalized Help

      Get 1-On-1 help from us when you’re ready

      Help Is Here

      Experience our unmatched personalized service

      5-Star Support

      See how we’ve helped thousands of retirees

      Learning Resources

      Our educational resource hub

Search