Plan F is the most popular of the 10 Medicare Supplement insurance plan options available in most states (Minnesota, Massachusetts, and Wisconsin have different options). However, Plan F is not available to Medicare beneficiaries who became eligible for Medicare on or after January 1, 2020. If you became eligible prior to 2020, you may still be able to enroll in Plan F if it is available where you live. And if you're already enrolled in Plan F, don't worry – you can keep your plan.

Medigap Quick Facts

• Medigap Plan F is the only plan option that includes all 9 of the standard Medicare Supplement insurance benefits.
• You can use your Medigap plan (including Plan F) nationwide at any provider that accepts Medicare.
• You cannot have a Medigap plan and a Medicare Advantage plan. 
• Medigap plans are guaranteed renewable, regardless of any health problems you may have. So once you're enrolled in a Medigap plan, you cannot lose your coverage (as long as you continue to pay your premiums on time).

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Your Medicare out-of-pocket costs with Plan F vs. without Plan F

The table below shows some of your potential Medicare out-of-pocket costs in 2026 with Plan F vs. without Plan F.

There are other Medigap plan options available. Click on one of the following buttons to learn more about each Medigap plan option: