Understanding the Changes to Medigap Plan F in 2020

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We understand the importance of keeping you informed about the changes in the healthcare landscape. In this article, we will provide you with a comprehensive overview of the changes to Medigap Plan F in 2020. We aim to equip you with the knowledge necessary to make informed decisions regarding your healthcare coverage. Let’s delve into the details!

What is Medigap Plan F?

Medigap Plan F is a supplemental insurance plan that offers comprehensive coverage for Medicare beneficiaries. It helps cover the gaps in Original Medicare, including deductibles, copayments, and coinsurance. Plan F has been a popular choice among Medicare recipients due to its extensive coverage and peace of mind.

The Changes in 2020

In 2020, the landscape of Medigap coverage underwent significant changes. One of the most notable changes was the discontinuation of Medigap Plan F for newly eligible Medicare beneficiaries. This change was mandated by the Medicare Access and CHIP Reauthorization Act (MACRA) of 2015.

Transitioning Period

Although Medigap Plan F is no longer available for newly eligible Medicare beneficiaries, individuals who already enrolled in the plan before January 1, 2020, are not affected by this change. They can continue to enjoy the benefits of Plan F and maintain their coverage without any disruptions.

Alternatives to Medigap Plan F

For those who are not eligible for Medigap Plan F, there are alternative Medigap plans available that offer similar benefits. Medigap Plan G is one such option. Plan G provides coverage for all the benefits offered by Plan F, except for the Part B deductible. This means that individuals enrolled in Plan G will need to pay the Part B deductible out of pocket. However, the premiums for Plan G may be lower than those for Plan F, making it an attractive choice for many.

Another alternative is Medigap Plan N, which provides comprehensive coverage but requires beneficiaries to pay a copayment for certain doctor visits and emergency room visits. Plan N may have lower premiums compared to Plan F and Plan G, making it a cost-effective option for those who don’t mind some out-of-pocket costs.

How to Choose the Right Plan

Selecting the most suitable Medigap plan can be a complex decision. It is crucial to consider your personal healthcare needs, budget, and long-term goals when making this choice. To make an informed decision, you may want to consult with a knowledgeable insurance agent or explore online resources that provide detailed comparisons of Medigap plans.


The changes to Medigap Plan F in 2020 brought about important considerations for Medicare beneficiaries. While Plan F is no longer available for newly eligible individuals, existing beneficiaries can continue to enjoy its extensive coverage. For those seeking alternatives, Medigap Plan G and Plan N offer comprehensive coverage with some variations in out-of-pocket costs. By understanding these changes and evaluating your personal needs, you can make an informed decision regarding your Medicare coverage.


  • Medigap Plan F was discontinued for newly eligible Medicare beneficiaries in 2020.
  • Existing beneficiaries can continue to maintain their coverage under Medigap Plan F.
  • Medigap Plan G and Plan N are alternative options for those not eligible for Plan F, each with their own cost considerations.
  • Choosing the right plan requires a careful evaluation of personal healthcare needs, budget, and long-term goals.

Relevant Links:

  1. Medicare.gov: Official website providing comprehensive information on Medicare plans and coverage.
  2. National Council on Aging: A nonprofit organization offering resources and support for older adults, including information on Medicare.
  3. Centers for Medicare & Medicaid Services: The official website for CMS, the federal agency that administers Medicare and Medicaid programs.
  4. Medicare Rights Center: A nonprofit organization focused on ensuring access to affordable healthcare for Medicare beneficiaries.

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