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Medicare High Deductible Part F

medicare plan f high deductibleUnderstanding Medicare’s coverage can be complicated.  The federal health insurance plan targeted at the elderly and disabled demographics comprises various parts and plans all indicated by letters.  Plan F is a Medigap policy, which is a plan designed to cover things not already covered under the original parts of Medicare.  Plan F on its own is one of the most comprehensive supplemental plans, but the premium cost can be prohibitive for some people.  There is also a high deductible version of the plan, Medicare Plan F High Deductible, which is more affordable for some. The basic pieces of Medicare are hospital coverage (Part A) and doctors’ coverage (Part B).  Many people also have a Part D plan that covers their prescription drug costs. Parts A and B have several deductibles, coinsurances, and copays that members are responsible for.  Some people don’t mind that they will have to pay a certain amount out of pocket for any hospital or doctor visit.  Others would rather pay a monthly premium and have these costs covered.

Plan F and Plan G leave members with very little costs outside their premiums, but the premiums tend to be much higher than other supplemental plans.  One solution for some members is a Medicare Plan F High Deductible.  The high deductible plan covers everything Plan F does, but the member must pay a certain amount of cost out of pocket before the plan will pay for anything.  Once the out-of-pocket cost has been paid, the coverage is the same as the regular Plan F.

High Deductible Plan F Coverage Breakdown

High Deductible Plan F requires you to pay a yearly deductible of $2,800.  After that is paid, coverage can include:

  • Medicare Part A deductible
  • Part A coinsurance
  • 365 days of hospital coverage after Part A stops paying
  • Medicare Part B deductible
  • Part B coinsurance
  • Part B excess charges (the difference between what your doctor charges and what Medicare pays)
  • Hospice care

Money paid toward the Part A and/or Part B deductible counts toward the $2,800 deductible. The $2,800 is the maximum out-of-pocket for High Deductible Plan F.

Should you desire coverage in case of a disaster and don’t mind sharing certain health costs, the high deductible version might be ideal.

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