Medicare Supplement Insurance High Deductible Plan F* has the same benefits as Medicare Supplement Insurance Plan F* after you pay an annual $2,700 deductible. The deductible amount represents the annual out-of-pocket expenses (excluding premiums) that you must pay before the policy begins paying benefits.
Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy, which includes the Medicare deductibles for Part A and Part B, but not the separate foreign travel emergency deductible.
By having a high deductible, your premiums are significantly lower.
Medicare Supplement Plan F and High Deductible Plan F are only available to those individuals who turned 65 before January 1, 2020.
Benefits
- Your Part A deductible and coinsurance
- Your Part B coinsurance and the cost of the first three pints of blood
- Benefits from this plan will not begin until your out-of-pocket expenses total $2700 Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy.
- Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy, which includes the Medicare deductibles for Part A and Part B, but not the separate foreign travel emergency deductible.
- The Medicare deductibles for Part A and B.
- Medicare Part A hospital deductible and copayments
- Skilled nursing facility copayment
- $203 Part B Medicare deductible
- Part B doctor charges that are in excess of Medicare-approved amounts
- The cost of 365 extra days of hospital care during your lifetime after Medicare coverage
- These expenses do NOT include the separate $250 foreign travel emergency deductible.