What Expenses Does Medicare Plan F Cover?

Medicare Supplemental Insurance Plan F, also known as Medigap Plan F, covers coinsurance, copayments, deductibles and services that standard Medicare Parts A and B do not cover, reports Medicare.gov. Medigap Plan F offers both standard and high-deductible options.

Medicare Supplemental Insurance Plan F is one of the most comprehensive Medigap plans, according to Medicare.gov. Plan F covers Medicare Part A hospital costs and coinsurance payments for up to a year after a patient uses up Medicare benefits, Part A hospice care copayments or coinsurance, and Part A deductibles. The plan also covers Medicare Part B copayments or coinsurances, coinsurance for a skilled nursing care facility, and the first three pints of blood a patient needs. Additionally, Medigap Plan F pays 80 percent of medical care while traveling outside the United States up to the limits of the plan. The high-deductible Medigap Plan F option provides coverage after expenses exceed the total deductible amount of $2,180 as of 2015.

To be eligible for Medicare Supplementary Insurance Plan F, participants must be enrolled in traditional Medicare Parts A and B, states Medicare.gov. Once individuals enroll in Plan F, insurance companies cannot cancel the policies as long as participants pay the premiums. Medigap Plan F policies must offer all standard benefits by law, reports the Centers for Medicare and Medicaid Services. The only difference between the Plan F policies that various insurance companies offer is the price of the premiums.