High Deductible Medicare Supplement Plan F
Plan F's Comprehensive Coverage at a Lower Premium (Pre-2020 Enrollees Only)
Availability Notice: High Deductible Medicare Supplement Plan F is only available to people who were eligible for Medicare before January 1, 2020. If you became eligible after that date, consider Plan G instead.
What Is High Deductible Medicare Supplement Plan F?
High Deductible Plan F (HD-F) offers the same comprehensive coverage as standard Plan F - including the Part B deductible - but requires you to pay a deductible ($2,950 in 2026) before coverage begins. Like Plan F, HD-F is only available to people who were eligible for Medicare before January 1, 2020.
HD-F is essentially Plan F with a high deductible in exchange for lower premiums. Once you've paid the $2,950 deductible, HD-F covers 100% of Medicare-approved costs - including the Part B deductible and excess charges.
For people currently on standard Plan F with high premiums, HD-F can offer significant savings. The premium difference between standard Plan F and HD-F is often $100–$150/month, which can easily exceed the deductible in years with minimal healthcare use.
Key Highlights
- Same coverage as Plan F - including Part B deductible - after plan deductible
- Annual deductible: $2,950 in 2026
- Premiums typically 60–75% lower than standard Plan F
- Only available to those eligible for Medicare before January 1, 2020
- Covers Part B excess charges (after deductible)
What Does Plan HD-F Cover?
Part A hospital coinsurance & costs (up to 365 days after Medicare benefits)
After deductible
Part A hospice care coinsurance or copayment
After deductible
Part A deductible ($1,736 in 2026)
After plan deductible
Part B coinsurance or copayment
After deductible
Part B excess charges
After deductible
Part B deductible ($283 in 2026)
Counts toward plan deductible
Blood (first 3 pints)
After deductible
Skilled nursing facility coinsurance
After deductible
Foreign travel emergency (up to plan limits)
After deductible
All Medigap plans are standardized by federal law. Benefits are identical regardless of which insurer you choose.
Plan HD-F Pros & Cons
Pros
- ✓ Dramatically lower premiums than standard Plan F
- ✓ Covers the Part B deductible (after plan deductible) - unlike HD-G
- ✓ Same comprehensive coverage as Plan F once deductible is met
- ✓ Good option for healthy pre-2020 enrollees on standard Plan F
Cons
- ✗ Not available to new Medicare enrollees
- ✗ You pay all Medicare costs until the $2,950 deductible is reached
- ✗ Shrinking risk pool may cause faster premium increases
- ✗ HD-G is available to all enrollees and offers similar savings
Frequently Asked Questions
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