Medicare Supplement High Deductible Plan F is a version of the standard Plan F. High Deductible Plan F is a popular option for healthy beneficiaries that watch how they spend their money.

These plans are a popular option because of low premiums and an affordable cap on the maximum you can spend. More and more Medicare beneficiaries are leaning toward the High Deductible Plan F if they’re eligible.

What Does Medicare Supplement High Deductible Plan F Cover?

This plan covers all of the same benefits as the standard Plan F. Before the plan covers your costs, you must pay the annual plan deductible.

Plan F covers all your portion of Medicare costs. The Medigap High Deducible Plan F does the same once you reach the plan deductible.

Consider it this way. This plan will work like Original Medicare until you meet the plan’s deductible.

Once you meet your deductible, your coverage kicks in 100%. High Deductible Plan F will pick up your portion of Medicare cost-sharing for the rest of the year.

Any costs out of your pocket for Parts A and B services have been credited to the deductible. These are services like the Part A and B deductibles, co-pays, or coinsurance. These will also include excess charges.

How Much Does Medicare Supplement High Deductible Plan F Cost?

The cost is between $40 to $90 a month. The actual premium will vary based on your age and the resident state.

How Much is the Plan Deductible?

The plan deductible is $2,700. Most beneficiaries do not meet the deductible yearly.

That is why the premiums are very stable and have some of the lowest rate increases of any plan available.

Be mindful of your health and situation. If you go to the doctor often or have chronic medical issues, one of the standard plans may be a more suitable decision for your situation.

What is the difference between the High Deductible Plan F and the High Deductible Plan G?

HDF and HDG are essentially the same plans. Both have the same deductible. Once reached, all out-of-pocket costs for Part A or B services are covered.

The only difference is HDF is a version of Plan F. It has the same benefits once the deductible phase is complete.

HDG is a version of Plan G. It does not cover the Part B deductible. But that cost does go towards the plan deductible. Both plans will work the same way.

So, is one better than the other?

Not really! If both are an option and one has a lower premium than the other, enroll in the one with the best price since the coverage is the same.

Who’s Eligible?

Remember, the High Deductible F is not an option for new-to-Medicare beneficiaries. It might or might not be an option for you. Your eligibility date for Medicare will determine if you can enroll in the HDF.

This Plan is Perfect for Those Who

  • Enjoy taking advantage of the ability to see any medical professional they would like nationwide
  • Healthy and do not see the doctor often
  • Have a nest egg to cover the deductible
  • Don’t see the value of paying more for their insurance premiums. Just in case they may need it
  • Like to enjoy fewer restrictions that come along with Original Medicare

Guaranteed Issue Rights with High Deductible Plan F

Medicare only allows some plans to enroll using a guaranteed issue right. The plan options available to you are determined solely by your eligibility date for Original Medicare.

If you were eligible to begin Medicare before 2020, you can use your guaranteed issue rights to enroll in Plan HDF.

How to Compare Rates for Medicare Supplement High Deductible Plan F

We help guide you through the process every step of the way. Additional questions will always come up. We are here to help.

We give you a quick and easy analysis to help you choose if this is the right plan for you! Comparing rates is simple. Give one of our licensed agents a call, or fill out the online request form.

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by Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.