Is Medicare Supplement Plan F Going Away?

Tamera Jackson by Tamera Jackson | Licensed since 2007

This article was updated on: 06/12/2019

Yes. Medicare Supplement Plan F may leave the market in 2020 – but not for everyone.

If you have been shopping for a Medicare Supplement (also known as Medigap) plan, you may already know that Medicare Supplement Plan F may cover a lot of your Medicare Part A and Part B out-of-pocket costs. It’s the most comprehensive Medicare Supplement plan among the 10 standardized plans available in most states. So you might wonder, “Why is Plan F going away?”

Medicare Supplement Plan F: why the change?

This change to Medicare Supplement Plan F was affected by a decision Congress made. Congress decided that Medicare Supplement plans should no longer cover the Medicare Part B deductible.

In 2015, Congress passed the Medicare Access and CHIP Reauthorization Act. The act was meant to improve provider payments for covered Medicare services. At the same time, however, Congress knew there’s an increasing strain on the Medicare Trust Fund budget, as more and more people age into Medicare. So, they decided to cut back on certain Medicare Supplement benefits.

So how is Medicare Supplement Plan F affected? In 2020, Medicare Supplement plans can still cover the Medicare Part A deductible, but not the Part B deductible. This only applies to people newly eligible for Medicare. Because Medicare Supplement Plan F and Plan C cover both Part A and Part B deductibles, they won’t be available for new Medicare enrollees.

Who can keep Medicare Supplement Plan F?

If you were eligible for Medicare before January 1, 2020 and bought a Medicare Supplement Plan F, you’ll likely be able to keep your plan. Even if you don’t purchase a Medicare Supplement Plan F before January 1, 2020, you might be able to buy Plan F or change insurance companies after this date. However, you may have to meet medical underwriting qualifications to purchase a Medicare Supplement Plan F.

Who will not be able to have Medicare Supplement Plan F?

If you are eligible for Medicare on or after January 1, 2020, you will generally not have the option to buy a Medicare Supplement Plan F. In most states, the most comprehensive Medicare Supplement plan available will be Plan G. Plan G is similar to Medicare Supplement Plan F, except Plan G does not cover the Part B deductible. (In 2019, the Part B deductible is typically $185 per year.)

Medicare Supplement Plan F: what will the change mean to you?

Obviously if you aren’t eligible for Medicare prior to January 1, 2020, Medicare Supplement Plan F won’t be a plan option. Still, you may have choices in Medicare Supplement plans. Make the best coverage decision for yourself. If you have a Medicare Supplement Plan F when January 1, 2020 comes, you don’t have to take any action because your coverage is still active.

Do you want to shop Medicare Supplement Plan F and other Medicare Supplement plan choices available to you? Simply type your zip code and press the Browse Plans button on this page.

The product and service descriptions, if any, provided on these Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

Tamera Jackson |
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