Medicare Plan F Cost 2025: $227.83/Month Average
Medicare Supplement Plan F averages $227.83/month ($2,734/year) in 2025. High-deductible Plan F only $82.50/month. Most comprehensive Medigap coverage - limited to pre-2020 Medicare eligibility.
Important: Plan F Availability
Medicare Supplement Plan F is only available to people who became eligible for Medicare before January 1, 2020. If you first became eligible for Medicare on or after January 1, 2020, consider Plan G as the most comprehensive option.
Medicare Plan F Cost 2025: Current Premium Rates
Plan F holds 36% of the Medigap market despite being closed to new enrollees. Rate increases averaging 2.5-3% higher than previous years in 2025. Compare withMedicare Advantage planswhich may offer different cost structures and benefits.
Average Monthly Premium
High-Deductible Plan F
Medigap Market Share
High-Deductible Amount
What Medicare Plan F Covers: Complete Benefits List
Medicare Part A Deductible
Covers the $1,676 annual deductible for hospital stays
Medicare Part A Coinsurance
Covers hospital coinsurance for days 61-90 and lifetime reserve days
Medicare Part B Deductible
Covers the $240 annual deductible for medical services
Medicare Part B Coinsurance
Covers the 20% coinsurance for Medicare-approved services
Part B Excess Charges
Covers charges up to 15% above Medicare-approved amounts
Skilled Nursing Facility Coinsurance
Covers coinsurance for days 21-100 in skilled nursing facility
First 3 Pints of Blood
Covers the first 3 pints of blood needed each year
Part A Hospice Coinsurance
Covers hospice care coinsurance and copayments
Foreign Travel Emergency
Covers emergency care during foreign travel (after $250 deductible)
While Plan F provides comprehensive coverage, it's important to understand current2025 Medicare changesthat may affect your coverage options and supplement choices.
Who Can Enroll in Plan F?
✓ Eligible for Plan F
- People who became eligible for Medicare before January 1, 2020
- People who were enrolled in Plan F before January 1, 2020
- People who qualify for Medicare due to disability and enrolled in Plan F before turning 65
✗ Not Eligible for Plan F
- People who first became eligible for Medicare on or after January 1, 2020
- New Medicare beneficiaries turning 65 on or after January 1, 2020
Alternative: If you're not eligible for Plan F, considerPlan G, which provides nearly identical coverage.
How Plan F Compares to Other Medicare Supplement Plans
| Coverage | Plan F | Plan G | Plan N |
|---|---|---|---|
| Part A Deductible | ✓ Covered | ✗ Not Covered | ✗ Not Covered |
| Part B Deductible | ✓ Covered | ✗ Not Covered | ✗ Not Covered |
| Part B Coinsurance | ✓ 100% Covered | ✓ 100% Covered | ✓ With Copays |
| Part B Excess Charges | ✓ Covered | ✓ Covered | ✗ Not Covered |
| Foreign Travel Emergency | ✓ Up to $50,000 | ✓ Up to $50,000 | ✓ Up to $50,000 |
Supplement vs. Advantage Plan Comparison
Medicare Supplement plans work differently than Medicare Advantage plans. While supplements like Plan F work alongside Original Medicare, Medicare Advantage plans replace your Original Medicare coverage entirely. Explore the differences:
Factors That Affect Plan F Costs
Age
Premiums typically increase as you get older
Location
Costs vary significantly by state and ZIP code
Insurance Company
Different insurers charge different rates for the same coverage
Health Status
May affect premiums if you apply outside of guaranteed issue periods
Tobacco Use
Tobacco users may pay higher premiums
Plan F Advantages and Considerations
Advantages
- Most comprehensive coverage available
- Predictable healthcare costs
- No surprise medical bills
- Freedom to see any Medicare provider
- No prior authorization required
Considerations
- Higher monthly premiums than other plans
- Limited availability (pre-2020 Medicare eligibility)
- May encourage overutilization of services
- Premiums may increase over time
- No prescription drug coverage included
Alternative Medicare Supplement Options
For New Medicare Beneficiaries:
If you're not eligible for Plan F, these alternatives provide comprehensive coverage:
- • Medicare Supplement Plan G (most comprehensive for new beneficiaries)
- • Medicare Supplement Plan N (lower premiums, small copays)
High-Deductible Options:
Lower premium options with higher out-of-pocket costs:
- • High-Deductible Plan F ($82.50/month, $2,870 deductible)
- • High-Deductible Plan G (similar benefits, lower premiums)
Getting Started with Plan F
Check Eligibility
Confirm you became eligible for Medicare before January 1, 2020, or were already enrolled in Plan F.
Compare Prices
Get quotes from multiple insurance companies to find the best rate for identical Plan F coverage.
Enroll
Work with a licensed agent to complete your application and ensure you have the right effective date.
Regional Considerations for Medicare Planning
Medicare Supplement premiums can vary significantly by location. Explore regional Medicare guidance:
High-Cost Areas:
Growing Markets:
Healthcare Systems:
Medicare planning extends beyond healthcare coverage. Consider pairing your Medicare choice withannuities for retirement income securityto create a comprehensive retirement strategy.
Ready to Get Plan F Coverage?
Our Medicare Supplement specialists can help you determine if you're eligible for Plan F and find the best rates from top insurance companies in your area.