This plan is able to cover you for all the Medicare Part A and Part B deductibles. That Part B deductible isn’t very much- coming in at $183 per year. However, the Part A one is much more expensive, and it usually costs $1,340 for each benefit period. Keep in mind that you have to have Original Medicare in order to sign up for Plan F, which means you have coverage for Medicare Part A and Part B. But Medicare does not cover that plan’s deductibles, and Plan F will.
You also have to pay coinsurance on Medicare Part A and Part B, and Plan F will cover that for you as well. Those coinsurance payments are due each time you visit the hospital or other medical facility and receive treatment that is classified as a Part B or Part A service.
The Part B excess charges are covered as well. These are costs you would pay for if you went to a medical facility for treatment that did not fully accept Medicare coverage plan. This is something a lot of people will experience in their lifetime, but it can be useful to have that kind of coverage, just in case, and Plan F is one of the few Medicare Supplements plans that will cover you for that expense.
It also covers you for nursing care coinsurance and hospice care coinsurance. These separate expenses are what you pay each time you receive ether related service. So, if you don’t not have a Supplement plan of any kind, and you only had Original Medicare you would have to pay each time you reeve skill nursing care treatment or hospice care. Original medical only covers some of those costs for you, but you pay the coinsurance. That is, unless you have Medicare Plan F covering you for it.
Medicare Part F also covers three pints of blood each year for you. You may know that you get covered for some blood under Original Medicare, but that coverage may run out on you, and the supplemental coverage can step in and cover you at that point.
Your foreign travel exchange costs can be mostly covered as well under this supplemental plan. That’s cover for when you have to be transported to a medical facility outside the United States for emergency treatment, and you can be covered for as much as 80% of each individual instance. There is a deductible for you to pay, though, so in that regard, Plan F won’t cover you for everything.
The other Medicare Supplement plans only cover some or most of these items, but only Plan F covers them all.