When it comes to Medicare Supplement (“Medigap”) coverage, Plan F has always had a bit of a reputation. It is the one that covers almost every bill Original Medicare leaves behind. For years, it has been the number one choice for people who want the most complete coverage possible.

But there is also a High-Deductible version of Plan F. It offers the same benefits, but it could end up saving you some money on your monthly premium.

Below, this Supplemental insurance agency in La Crosse, Indiana is going to explain how regular Plan F compares with High-Deductible Plan F.

What does Plan F cover?

Plan F has long been known as the “full coverage” Medigap plan. After all, it is the one that covers nearly every leftover cost that Original Medicare does not pay. We are talking hospital deductibles, doctor visit coinsurance, excess charges, and even emergency coverage when you are traveling abroad.

So, if you have Plan F, you can see any doctor who accepts Medicare without worrying about surprise bills later. Once you have paid your monthly premium, that is usually it. There are almost no other out-of-pocket costs for covered services.

But not everyone can get Plan F. It is only available if you became eligible for Medicare before January 1, 2020. If you joined Medicare after that date, you may want to want to look at other options like Plan G or Plan N.

With this plan, you can see any doctor who accepts Medicare without worrying about surprise bills. Once you pay your monthly premium, there are virtually no other out-of-pocket costs for covered services.

Is High-Deductible Plan F really that different?

High-Deductible Plan F gives you all the same benefits as regular Plan F. But the way you pay for those benefits changes slightly.

Instead of paying a higher monthly premium, you will pay much less. But you will have to meet a yearly deductible before the plan starts covering your costs. For 2025, that deductible is $2,870. Once you have paid that amount out of pocket, your coverage works exactly like the regular Plan F.

Those lower premiums are the main advantage of this plan. If you visit the doctor rarely or prefer smaller monthly bills, the high-deductible plan can save you money over the course of a year.

But if you have more medical expenses each year, that deductible could be a lot. It is not necessarily a bad thing. It just means you need to consider your comfort level with paying more up front.

If you have no idea whether the savings outweigh the deductible risk, talk to your local Supplemental insurance agency in La Crosse, Indiana. They can help you see what your annual costs might look like under each plan.

Which Plan F option is more suitable for you?

If you are someone who likes the idea of predictability (knowing your medical costs each month), then standard Plan F can be the better option. You will pay a higher premium, but you will not have to think much about deductibles or out-of-pocket expenses.

On the other hand, if you are generally healthy and prefer to keep your monthly costs as low as possible, the High-Deductible Plan F could be better. This plan is especially appealing for people who might not visit the doctor regularly and are comfortable taking on a little more risk if they do need care.

A licensed Supplemental insurance agency in La Crosse, Indiana will evaluate how regularly you tend to see the doctor, and what each plan would really cost you over time. They can then recommend the plan that gives you the coverage you need at the best price.

Looking for a Supplemental Insurance Agency in La Crosse, Indiana?

If you are looking for a Supplemental insurance agency in La Crosse, Indiana that can help you compare Medicare Supplement Plan F and High-Deductible Plan F, Senior Care Insurance Services is here for you. Whether you are leaning toward full coverage or considering the high-deductible option, we will explain what each plan means for your needs and budget. Contact us today to get started.