Q: Is Medigap Plan F Going Away?
Asked by S.G. on October 12, 2017
Medicare Supplement Plan F enrollment ends for good on January 1, 2020. Both regular Plan F and the high-deductible version of Plan F (HDPF) will be affected. With Medigap Plan F going away, Medicare beneficiaries will have fewer options available to them.
Next Best Alternative: Medigap Plan G
After 2020, new Medicare Supplement enrollees will still be able to join Medicare Supplement Plan G. Plan G is almost identical to Plan F. Plan G does not cover your annual Medicare Part B deductible of $185 – otherwise, it’s exactly the same as Plan F, the most popular and comprehensive Medigap plan.
HDPF is a great choice for those who want Plan F’s “full coverage” level of benefits but are confident in their ability to save money on their care. A high-deductible version of Plan G will be available for purchase by 2020. There are no other high-deductible versions of Medigap plans available at this time.
You Can Enroll in Medigap Plan F Now
If you join Medigap Plan F or HDPF by December 31, 2019, you can still keep your Plan F coverage forever. You’ll even be able to switch between different Plan F carriers if you choose.
Since Plan F is the most popular Medigap plan, insurance companies will continue to maintain it for existing customers well into the future. After all, there are still policyholders of other plans, like Plan J, that were discontinued many years ago.
Policymakers have not seriously discussed introducing any new Medicare Supplement plans to replace Plan F or Plan G.
Taking the Next Steps
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