|⏳ HEALTH INSURANCE AGENCY |⏳ INSURANCE ENROLLMENT KEY DATES |⏳ MEDICARE PLANS: Annual Enrollment Period (AEP): October 15 – December 7 each year. During this time, you can switch to a different Medicare plan. Initial Enrollment Period (IEP): Around your 65th birthday. |⏳ INDIVIDUAL & FAMILY ACA MARKETPLACE PLANS: Generally November 1 – January 15 for the following year’s coverage. December 15: Deadline for coverage to start January 1. January 1: Coverage begins for those who enrolled by the December 15 deadline. January 15: The final deadline to enroll for coverage that typically begins February 1. |⏳ EMPLOYER SPONSORED PLANS: Enrollment periods are set by your employer and often occur in the fall. |⏳ MEDICAID & CHILDREN’S HEALTH INSURANCE PROGRAM (CHIP): You can enroll at any time of the year. |⏳ SPECIAL ENROLLMENT PERIODS (SEPs): You may qualify for an SEP outside the regular Open Enrollment Period if you have certain qualifying life events, such as getting married, having a baby, or losing other health coverage. |⏳ DON’T WAIT! ASK US YOUR QUESTIONS EARLY! |⏳

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Medicare Plan F Insurance

MEDICARE PLAN F INSURANCE

Medicare Plan F Insurance

Medicare Plan F Insurance: What It Covers, What It Costs in 2026, and Whether You Should Keep It

Medicare Plan F is the most complete Medicare Supplement plan ever sold. If you have it, you pay almost nothing when you see a doctor or go to the hospital. But there is a catch. Most people new to Medicare can’t buy it anymore.

Hi, I’m Steve Turner. I’m a licensed Medicare insurance agent. I help people every week who are confused about Plan F. Others already have it and wonder if they’re paying too much.

I get it. Medicare can feel like a maze. The letters, the rules, and the deadlines all blur together. My job is to make it simple.

On this page, I’ll walk you through:

  • What Medicare Plan F is (in plain words)
  • Exactly what it pays for
  • Who can still buy it, and who can’t
  • What it costs in 2026
  • How it compares to Plan G and Plan N
  • When keeping Plan F makes sense, and when switching could save you money
  • How I can help you, at no cost to you

Let’s start with the basics.

What Is Medicare Plan F?

Medicare Plan F is a Medicare Supplement plan. People also call it Medigap Plan F. A private insurance company sells it. It works alongside Original Medicare (Part A and Part B).

Here’s the simple version. Original Medicare pays a big part of your health care bills, but not all of it. You still owe deductibles, coinsurance, and copays. Those gaps can add up fast. A hospital stay alone can cost you over $1,700 before Medicare pays a dime.

Plan F fills those gaps. In fact, it fills them all. Once Medicare approves a service, Plan F pays the rest. That’s why many people call it the “Cadillac” of Medigap plans.

A few key facts I always share with my clients:

  1. Plan F is standardized. Federal law sets the benefits. A Plan F from one company covers the same things as a Plan F from another company. Only the price and service differ. (Massachusetts, Minnesota, and Wisconsin use their own systems.)
  2. You can see any doctor who takes Medicare. There are no networks. You don’t need referrals to see a specialist.
  3. It goes with you. Plan F works anywhere in the U.S., which is great for snowbirds and travelers.
  4. It does not cover drugs. You need a separate Part D plan for prescriptions.
  5. It is not Medicare Advantage. Plan F works with Original Medicare. Medicare Advantage replaces it. You can’t have both.

What Does Medicare Plan F Cover?

Plan F covers all nine standard Medigap benefits. No other plan does that. Here is the full list, with 2026 numbers where they apply:

  1. Part A deductible — 100% covered. That’s $1,736 per benefit period in 2026.
  2. Part A hospital coinsurance — 100% covered, plus 365 extra hospital days after Medicare runs out.
  3. Part A hospice coinsurance and copays — 100% covered.
  4. Skilled nursing facility coinsurance — 100% covered (days 21 to 100).
  5. Part B deductible — 100% covered. That’s $283 in 2026. Plan F is one of only two plans that pay this. (Plan C is the other.)
  6. Part B coinsurance — 100% covered. That’s the 20% you’d normally owe for doctor visits, tests, and outpatient care.
  7. Part B excess charges — 100% covered. Some doctors can charge up to 15% more than Medicare allows. Plan F pays that too.
  8. First 3 pints of blood — 100% covered.
  9. Foreign travel emergencies — 80% covered, after a $250 deductible, up to a $50,000 lifetime limit.

What This Means for You

With Plan F, your yearly out-of-pocket cost for Medicare-approved care is usually $0. You pay your monthly premium. That’s it.

No surprise bills. No deductibles to track. No 20% share of a $40,000 surgery. That peace of mind is why so many of my clients love this plan.

What Plan F Does Not Cover

Plan F pays only for services Medicare approves. So it won’t pay for:

  • Prescription drugs (get a Part D plan)
  • Routine dental care
  • Eye exams and glasses
  • Hearing aids
  • Long-term custodial care
  • Private-duty nursing

Who Can Still Buy Medicare Plan F?

This is the question I hear most. The answer depends on one date: January 1, 2020.

A federal law called MACRA changed the rules. Starting in 2020, Medigap plans sold to new Medicare members can’t cover the Part B deductible. Since Plan F covers that deductible, new members can’t buy it.

You CAN Buy Plan F If:

  • You turned 65 before January 1, 2020, or
  • You first became eligible for Medicare before January 1, 2020 (for example, because of a disability)

This is true even if you didn’t sign up back then. If you were eligible before 2020, the door is still open.

You CAN’T Buy Plan F If:

  • You turned 65 on or after January 1, 2020, and
  • You weren’t eligible for Medicare before then for any other reason

Is Plan F Going Away?

No. If you already have Plan F, you can keep it as long as you pay your premium. Your insurance company can’t cancel you because of your health. No one will force you off the plan.

But here’s something I want you to know. Since no new 65-year-olds can join, the group of people on Plan F is getting older over time. Older groups tend to file more claims. That can push premiums up faster than on other plans. I’ll explain what that means for you below.

Not sure if you qualify? Call me at [Phone Number]. I’ll check your eligibility in about five minutes.

How Much Does Medicare Plan F Cost in 2026?

Plan F has the highest monthly premium of any Medigap plan. That makes sense. It covers the most.

There’s no single price. Your premium depends on several things:

  • Your ZIP code. Prices vary a lot from state to state, and even county to county.
  • Your age. Older people usually pay more.
  • Your gender. Many companies charge women a bit less.
  • Tobacco use. Smokers often pay more.
  • How the company sets prices. Some use “attained-age” pricing, which goes up as you age. Others use “issue-age” or “community” pricing, which stays steadier.
  • Household discounts. Some companies give you a discount if your spouse also has a policy.

In most areas I work in, Plan F runs roughly $200 to $400 a month or more. But I’ve seen big gaps between companies for the same coverage. That’s why shopping matters.

Other Medicare Costs to Know in 2026

Even with Plan F, you still pay these:

Cost2026 Amount
Part B monthly premium (standard)$202.90
Part D drug plan premiumVaries by plan
Your Plan F premiumVaries by company and ZIP

And here’s what Plan F pays for you that you’d otherwise owe:

Medicare Gap2026 AmountPlan F Pays
Part A deductible$1,736 per benefit period100%
Part B deductible$283 per year100%
Part B coinsurance20% of approved costs100%

What About High-Deductible Plan F?

There’s a lower-cost version called High-Deductible Plan F. It covers the same things as regular Plan F. The difference is you first pay a yearly deductible of $2,950 in 2026. After that, the plan pays 100%.

The upside? The monthly premium is often much lower. This version can be a smart pick if you’re healthy and want protection from big bills. The same 2020 eligibility rule applies to this version too.

Source: 2026 Medicare costs and HD Plan F deductible

Medicare Plan F vs. Plan G vs. Plan N

If you can’t get Plan F, or you’re thinking about switching, these are the two plans I compare most often.

BenefitPlan FPlan GPlan N
Part A deductible ($1,736)YesYesYes
Part B deductible ($283)YesNoNo
Part B 20% coinsuranceYesYesYes, except up to $20 per doctor visit and $50 per ER visit
Part B excess chargesYesYesNo
Foreign travel emergency80%80%80%
Open to new enrollees after 2020NoYesYes
Monthly premiumHighestLowerLowest of the three

Plan F vs. Plan G: The $283 Question

Plan G is almost a twin of Plan F. The only difference is the Part B deductible. With Plan G, you pay that $283 yourself each year. After that, Plan G covers everything Plan F does.

So here’s the math I do with every client. Divide $283 by 12 months. You get about $23.58 a month.

  • If Plan F costs more than $23.58 a month above Plan G, Plan G is the better deal.
  • If Plan F costs less than $23.58 more per month than Plan G, Plan F may be worth it.

In my experience, the gap is often bigger than $23.58. That means many Plan F members are overpaying for the same care. But every case is different, so I always run your real numbers.

Plan F vs. Plan N

Plan N has an even lower premium. In exchange, you pay small copays at the doctor and the ER. You also pay the Part B deductible and any excess charges. Plan N works well for people who don’t see the doctor often and want to save each month.

Pros and Cons of Medicare Plan F

I always give my clients the full picture. Here’s the honest list.

Pros

  • Almost no out-of-pocket costs. You won’t see bills for Medicare-approved care.
  • Easy to budget. One steady premium. No surprises.
  • Freedom to choose. See any doctor or hospital in the U.S. that takes Medicare.
  • No referrals. Go straight to a specialist.
  • Guaranteed renewable. The company can’t drop you because of your health.
  • Travel coverage. Help with emergency care outside the country.

Cons

  • Highest premium. You pay more each month than for any other Medigap plan.
  • Closed to new members. If you turned 65 in 2020 or later, you can’t buy it.
  • Premiums may rise faster. The Plan F group is aging, which can drive up rates.
  • No drug coverage. You still need Part D.
  • No extras. No dental, vision, or hearing benefits.

Should I Keep Plan F or Switch to Plan G?

This is a personal choice. There’s no one right answer. Here’s how I help people think it through.

Keeping Plan F may make sense if:

  1. Your health has changed, and you might not pass the health questions for a new plan
  2. The price gap between your Plan F and Plan G is small
  3. You value having zero bills more than saving a little each month

Switching to Plan G may make sense if:

  1. You’re in good health and can pass medical underwriting
  2. You’d save more than $283 a year on premiums
  3. Your Plan F rate has gone up a lot in recent years

A Warning About Switching

In most states, if you switch Medigap plans outside your first enrollment window, the new company can ask about your health. They can say no or charge you more. Some states have special rules that make switching easier. Never cancel your Plan F until your new plan is approved in writing. I’ll make sure you’re never left without coverage.

How I Help You With Medicare Plan F

You could try to figure this out on your own. You could call a dozen insurance companies and compare quotes yourself. But you don’t have to. That’s what I’m here for.

Why Work With Me?

  • My help is free. The insurance company pays me. You pay the same price whether you buy through me or go direct.
  • I compare many companies. I’m not stuck selling one brand. I show you the best options in your area.
  • I explain things in plain English. No jargon. No pressure.
  • I check your eligibility first. I’ll tell you right away if Plan F is open to you.
  • I stick around. Billing problem or a rate increase next year? Call me. I’ll review your plan every year to make sure it still fits.

How It Works: 4 Simple Steps

  1. Reach out. Call me, or fill out the short form on this page. It takes about two minutes.
  2. We talk. I’ll ask about your Medicare start date, your health, your doctors, and your budget.
  3. I shop for you. I’ll pull Plan F, Plan G, and Plan N quotes from top-rated companies in your ZIP code. I’ll show you the real dollar difference.
  4. You decide. If you want to enroll, I’ll handle the paperwork. If you want to keep what you have, that’s fine too. No hard feelings.

Many of my clients find they can get the same coverage for less. Some save hundreds of dollars a year. Others learn their current plan is already a good deal, and they get peace of mind. Either way, you win.

Let’s Find Out If Plan F Is Right for You

Medicare Plan F gives you some of the best coverage money can buy. For the right person, it’s worth every penny. For others, Plan G or Plan N can give nearly the same protection for less.

The only way to know for sure is to look at your real numbers. That’s where I come in.

Here’s what you get when you reach out to me:

  • A free eligibility check for Plan F
  • Side-by-side quotes for Plan F, Plan G, and Plan N in your area
  • A clear answer on whether you’re overpaying
  • Help with enrollment if you decide to switch
  • Ongoing support every year after

There’s no cost and no pressure. Just straight answers from someone who does this every day.

Medicare PLAN F INSURANCE AGENT AND BROKER

As your Insurance Agent and Broker serving you, my goal is to “help you” and ensure, without a shadow of a doubt, that you and your family are secure and protected from risk. As a licensed Medicare Advantage and Medicare Supplement agent, I take the burden off your shoulders by conducting a thorough needs analysis and researching the benefits that best suit you.

I can help you save on severe medical emergencies and find a plan that offers low- to no-cost doctor visits, prescription medication, and extra benefits such as dental, vision, and hearing, gym membership, and over-the-counter items. I will show you plans where your doctors are in-network and provide a side-by-side comparison of your prescription costs across plans.

Medicare is constantly changing, and I work tirelessly to stay informed about the latest market developments. Every year brings new government regulations, new or modified coverages, and new techniques for controlling benefit costs. To best serve their clients, professionals must understand each benefit or program’s provisions, advantages, and limitations to support economic security.

I am a long-standing member of the National Association of Benefits and Insurance Professionals® (NABIP.ORG) and hold the Registered Employee Benefits Consultant® designation (https://nabip.org/professional-development/rebc-designation). I can provide information on your market’s availability and any expected changes.

After you choose your Medicare Insurance plan, I provide ongoing support year-round; you won’t have to call an (800) number anymore.

If you have questions, issues, or concerns about your plan’s benefits, you can contact me by phone, text, or through my simple-to-use email contact form using the buttons below.

Steve Turner, your Helpful Licensed Agent and Broker

Medicare Plan F Insurance FAQ

Yes, but only for people who were eligible for Medicare before January 1, 2020. If you already have Plan F, you can keep it.

Congress passed a law (MACRA) to stop new Medigap plans from covering the Part B deductible. The idea was that paying a small deductible helps people think twice about unneeded care.

Regular Plan F has no deductible. High-Deductible Plan F has a yearly deductible of $2,950 in 2026.

No. You need a separate Medicare Part D plan for your drugs.

Yes. If a doctor or hospital accepts Medicare, they accept Plan F. There are no networks.

No, not because of your health. Plan F is guaranteed renewable. The company can only cancel it if you stop paying your premium or lied on your application.

Often, yes. But in most states, you’ll need to answer health questions. If you have serious health issues, they might turn you down. Talk to me before you cancel anything.

Medicare’s fall Open Enrollment (October 15 to December 7) is for Part D and Medicare Advantage. It does not give you a free pass to change Medigap plans. You can apply for a new Medigap plan any time of year, though health questions usually apply.

It depends. If the extra cost over Plan G is less than $23.58 a month, it can be. If it’s more, Plan G usually saves you money. I’ll run the numbers for you.

Partly. It pays 80% of emergency care abroad after a $250 deductible, up to $50,000 in your lifetime.

OUR CLIENT REVIEWS

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Tammy Mitchell
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Excellent experience! Steve was knowledgeable, responsive, and made the process easy. He helped us find a great temporary health insurance plan for our daughter to bridge the gap until open enrollment. I really appreciated his guidance and would highly recommend him.
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Rosemary Dragotta
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So knowledgeable and helpful !!!
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Marikathryn Bell
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Marilyn Wirsz
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Super responsive and easy to work with! He helped me understand my options with the matketplace and we're looking forward to getting set up with my husband's medicare soon. Great agent - you won't regret making the call!
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Ronald Anderson
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Cheryl Bowman
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Steve responded quickly to my call. I had retired and lost my dental insurance coverage for me and my husband. Steve went over all options in a very professional and detailed manner. It was truly a good experience. He does handle other types of insurance. I would recommend him for anyone.
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kristin zangrilli
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Steve makes the painful process of finding a healthcare plan that’s right for you or a loved one easy. Absolutely worth the call.
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Joseph Pohl
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Wonderful experience with Steve. He made the process of getting health insurance in between a job and full time entrepreneurship easy and relaxed. And he did all the work. Highly recommend
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Kathy Thal
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Steve was great in helping me obtain the proper health insurance for our twins! I highly recommend him, and I’m so thankful for his knowledge and help!
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Hope Myers
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What a load off my mind! Steve Turner made it so easy to get all set up. Thank you Steve for finding what we feel is the best plan for us.

CONTACT STEVE TURNER INSURANCE AGENT & BROKER

I’m here to take your calls and emails and answer your questions 7 Days a week from 7:00 a.m. to 8:00 p.m., excluding posted holidays.

Steve Turner is a licensed agent and broker and a longstanding member of the National Association of Benefits and Insurance Professionals®. Steve holds the prestigious Registered Employee Benefits Consultant® designation. NABIP® is the preeminent organization for health insurance and employee benefits professionals and works diligently to ensure all Americans have access to high-quality, affordable Healthcare and related services.

Steve Turner is a licensed agent appointed by Florida Blue.

EMAIL ME: 24×7


OFFICE LOCATION

Website: steveturnerinsurancespecialist.com

Email: [email protected]

Phone and Text: +1-813-388-8373

Business Hours:

Monday: 7 a.m. to 8 p.m.

Tuesday: 7 a.m. to 8 p.m.

Wednesday: 7 a.m. to 8 p.m.

Thursday: 7 a.m. to 8 p.m.

Friday: 7 a.m. to 8 p.m.

Saturday: 7 a.m. to 8 p.m.

Sunday: 7 a.m. to 8 p.m.

SERVICE AREA FACTS UNITED STATES

The United States: Facts and Top Visitor Sites

The United States of America is a vast, diverse country with a wide array of cultures, landscapes, and iconic landmarks. Here are some key facts and top attractions:

Facts about the USA

The United States is a vast, diverse country with a rich tapestry of culture, history, and natural beauty. Here is a comprehensive overview of key statistics and top visitor attractions across the nation.

Key U.S. Statistics and Economic Overview

The United States is a global leader in population, economy, and innovation, attracting people from all over the world.

  • Population and Demographics: As of 2025, the U.S. population is projected to exceed 343 million, making it the world’s third-most populous country. The population is diverse, with a significant Hispanic and Latino population that accounts for much of the recent growth. The median age is around 39 years, and a growing segment of the population is over 65, reflecting an aging nation.
  • Geography: Third largest country by land area, behind Russia and Canada. It spans 3.8 million square miles and has 4 million miles of roads.
  • National Parks: 63 national parks nationwide.
  • Government-owned Land: The government owns 37% of the land (federal, state, and local).
  • Diversity: The U.S. is a diverse country, with a growing non-white population. Non-Hispanic white people currently make up the largest ethnic group, but their share of the population has decreased over time. The Hispanic population has grown the most, increasing by 23% between 2010 and 2020.
  • Languages: While English is the primary language, Spanish is the most common non-English language spoken at home, followed by Chinese and Tagalog.
  • Aging Population: Americans are living longer, and the 65-and-older population is increasing significantly.
  • Economy & Key Industries: The U.S. economy is the largest in the world by nominal GDP. Its economic strength is built on several key industries:
    • Financial Services: This sector is a global powerhouse, centered in cities like New York, with major hubs for banking, insurance, and investment.
    • Technology and Information Technology (IT): The U.S. leads the world in technology, with major tech hubs in Silicon Valley, Austin, and Seattle driving innovation in software, hardware, and digital services.
    • Healthcare and Social Assistance: As the country’s largest private employment sector, healthcare is a massive industry with high demand for skilled workers and ongoing innovation.
    • Manufacturing: The U.S. manufacturing sector is a backbone of the economy, producing everything from automobiles and aerospace components to medical equipment and consumer goods.
  • Work-from-Home Trends: More Americans work remotely than before the pandemic. In 2022, 15% of Americans worked from home, up from 6% in 2019. 

Top Places for Visitors to Explore in the USA

The United States offers an incredible variety of destinations, from iconic cities to breathtaking national parks.

  • New York City, New York: A global icon, New York City is famous for its vibrant culture, world-class museums, and iconic landmarks. Visitors can explore Times Square, see a Broadway show, visit the Statue of Liberty, and walk through Central Park. The city offers an endless array of dining and shopping experiences.
  • The Grand Canyon, Arizona: A breathtaking natural wonder carved by the Colorado River, the Grand Canyon National Park is a must-see. Visitors can take in panoramic views from the South Rim, hike into the canyon, or take a helicopter tour for a unique perspective.
  • Las Vegas, Nevada: Known as “The Entertainment Capital of the World,” Las Vegas is famous for its casinos, luxury hotels, and spectacular live shows. The Las Vegas Strip is a bustling boulevard with unique attractions and a vibrant nightlife.
  • Orlando, Florida: The “Theme Park Capital of the World,” Orlando is home to some of the world’s most famous attractions, including Walt Disney World Resort and Universal Orlando Resort. It is a top destination for families and anyone seeking a thrilling, magical vacation.
  • Washington, D.C.: The nation’s capital is a city of history and monuments. Visitors can explore the National Mall, which connects the Lincoln Memorial, Washington Monument, and the U.S. Capitol. It’s also home to the Smithsonian Institution’s world-class museums.
  • Yellowstone National Park, Wyoming: As the first national park in the U.S., Yellowstone National Park is a marvel of geothermal activity and wildlife. It is home to the famous Old Faithful geyser, the Grand Prismatic Spring, and a wide variety of animals, including bison, bears, and wolves.
  • San Francisco, California: This iconic West Coast city is famous for the Golden Gate Bridge, its historic cable cars, and diverse neighborhoods. Visitors can explore Fisherman’s Wharf, Alcatraz Island, and the beautiful Golden Gate Park.
  • Hawaii: Hawaii is an archipelago in the Pacific Ocean known for its stunning natural beauty, volcanic landscapes, and rich Polynesian culture. Visitors can relax on beautiful beaches, hike through lush rainforests, and explore the Hawaii Volcanoes National Park on the Big Island.
  • Great Smoky Mountains National Park, North Carolina/Tennessee: The Great Smoky Mountains National Park is the most visited national park in the U.S. and is known for its beautiful mountains, diverse plant and animal life, and rich Appalachian culture.
  • New Orleans, Louisiana: This historic city on the Mississippi River is famous for its unique blend of cultures, live music, and vibrant festivals. The French Quarter is a lively neighborhood with historic architecture, delicious Creole cuisine, and jazz clubs.

MEDICare PLAN F INSURANCE POSTS

Medicare Plan F Insurance
Service Areas
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    SERVICE AREA



    • Alabama

    • Georgia

    • North Carolina

    • South Carolina

    • Tennessee

    • Texas

    MEDICARE STATEMENT

    The Medicare Annual Enrollment Period is October 15th to December 7th. Steve Turner is not connected with or endorsed by the United States Government or the Federal Medicare Program. Some plans may not be available in your area, and any information I provide is limited to those offered. Please contact Medicare.gov or 1-800-MEDICARE for information on all your options.

    There’s no one-size-fits-all answer. Carefully evaluate your health status, anticipated medical needs, prescription drug usage, budget, preferred doctors and hospitals, and tolerance for network rules. During the Medicare Annual Enrollment Period (October 15th to December 7th), research the specific plans available in your Florida county using the Medicare Plan Finder on Medicare.gov, compare costs and benefits, and consider free, personalized counseling from Florida’s SHINE (Serving Health Insurance Needs of Elders) program.