Medicare Supplement High Deductible Plan F



Medicare Supplement High Deductible Plan F

 

Our Rating: Medicare Supplement High Deductible Plan F

High Deductible Plan F has the same benefits as Plan F after you pay an annual $2,240 deductible. The deductible amount represents the annual out-of-pocket expenses (excluding premiums) that you must pay before the policy begins paying benefits. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy, which includes the Medicare deductibles for Part A and Part B, but not the separate foreign travel emergency deductible.

By having a high deductible, your premiums are significantly lower than Standard Plan F.

Costs you can expect to pay with High Deductible Plan F that count towards the $2,240 deductible:

  • Medicare Part A deductible
  • Medicare Part B deductible
High Deductible Plan F covers 100% of the remaining charges after the $2,240 deductible is met including:
  • Your Part A deductible and coinsurance
  • Your Part B coinsurance and the cost of the first three pints of blood
  • Benefits from High Deductible Plan F will not begin until your out-of-pocket expenses total $2,240. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy.
  • Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy, which includes the Medicare deductibles for Part A and Part B, but not the separate foreign travel emergency deductible.
  • The Medicare deductibles for Part A and B.
  • Medicare Part A hospital deductible and copayments
  • Skilled nursing facility copayment
  • Part B doctor charges that are in excess of Medicare-approved amounts
  • The cost of 365 extra days of hospital care during your lifetime after Medicare coverage
  • These expenses do NOT include Plan F’s separate $250 foreign travel emergency deductible.

High Deductible Plan F Rates

Metro Rates

The following rates are for Illinois residents living in the following Counties:

  • Cook
  • DuPage
  • Kane
  • Lake
  • McHenry
  • Will
PlanAgeStandardMed-Select
HD F65$51.00N/A
66$54.00N/A
67$57.00N/A
68$60.00N/A
69$63.00N/A
70$66.00N/A
71$71.00N/A
72$74.00N/A
73$78.00N/A
74$82.00N/A
75$84.00N/A
76$87.00N/A
77$89.00N/A
78$91.00N/A
79$93.00N/A
80$94.00N/A
99+$113.00N/A

Non-Metro Rates

The following rates are for Illinois residents living OUTSIDE the following Counties:

  • Cook
  • DuPage
  • Kane
  • Lake
  • McHenry
  • Will
PlanAgeStandardMed-Select
HD F65$47.00N/A
66$49.00N/A
67$52.00N/A
68$56.00N/A
69$59.00N/A
70$61.00N/A
71$64.00N/A
72$68.00N/A
73$71.00N/A
74$75.00N/A
75$77.00N/A
76$79.00N/A
77$81.00N/A
78$83.00N/A
79$84.00N/A
80$85.00N/A
99+$102.00N/A