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Medigap Plan F offers the most benefits out of all of the Medigap policy plans. It is also unique from the other plans because it also offers a high deductible plan in some states. The high deductible option is different and is reviewed in more detail here. Like Plan C, Plan F is also not available to those who were not eligible for Medicare before January 1, 2020.
Medigap Plan F covers:
While Plan F is not available to people who were newly eligible for Medicare as of January 1, 2020, it may be available for those who were eligible for Medicare prior to that date. This is because Plan F covers the Part B deductible, which was eradicated by the Medicare Access and CHIP Reauthorization Act (MACRA) of 2015.
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