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Medicare Plan F
Coverage in
Fort Lauderdale, FL

Everything you need to know about Medicare Supplement Plan F — clear, simple, and local

At MedigapRx, we help Medicare beneficiaries understand exactly what Plan F
covers, who can still enroll, and how it compares to alternatives like Plan G or Plan N.

Call Now: (954) 737-7877 Schedule Your Free Consultation

Medicare Plan F: Clear
Answers, Confident
Choices

If you’re exploring Medicare supplement options, you’ve likely heard about Medicare Plan F, often called the “Cadillac” of Medigap plans. While this comprehensive plan is no longer available to new Medicare beneficiaries who became eligible after January 1, 2020, it remains an exceptional option for those grandfathered in.

At MedigapRx, we help Fort Lauderdale residents understand whether this plan continues to be their best choice or if it’s time to explore other plans.

Medicare can feel like a maze of letters, numbers, and healthcare jargon. That’s where our team comes in. We specialize in demystifying original Medicare and Medicare supplement insurance so you can make confident decisions about your healthcare future. Whether you’re currently enrolled in a plan f policy, considering switching plans, or simply want to understand what you might be missing, our licensed advisors are here to provide personalized guidance at no cost to you.

What Is Medicare Supplement Plan F?

If you value predictable health care costs and comprehensive protection, Plan F has historically been the premier choice among Medigap plans sold today. It offers true financial peace of mind by covering what original Medicare doesn’t, allowing you to focus on your health rather than unexpected medical bills.

One of the most attractive benefits of the traditional plan F is that no Plan F is deductible beyond your monthly premium. Once you’ve paid your premium, this Medigap policy covers the Medicare Part A and Part B deductibles listed above and virtually all other out-of-pocket costs associated with original Medicare. This comprehensive approach from private insurance companies means no surprise bills, no tracking multiple deductibles, and no calculating coinsurance percentages.

 

 

Understanding High Deductible Plan F

This is different from a high-deductible plan, which is a lower premium alternative that requires you to meet an annual deductible ($2,800 in 2025, according to recent deductible announcements) before the plan begins to cover your health care costs. After meeting this calendar year’s deductible, the high-deductible version covers 100% of the same benefits as a traditional plan.

  • Traditional Plan F offers higher monthly premiums with no deductible to meet and immediate comprehensive coverage, which is best for those who want complete predictability and use healthcare services regularly.
  • High Deductible Plan F provides a lower premium option with a $2,800 annual deductible (2025) and full coverage after the deductible is met, which is best for those in good health who want catastrophic coverage.

It’s important to note that Medicare supplement plans don’t cover prescription medications. You’ll need separate prescription drug coverage through a Medicare Part D plan. Our team can help you find the right Part D plan to complement your Medicare supplement insurance, ensuring your medications are affordable and your coverage is complete.

Medicare Supplement Plan F is the most comprehensive Medigap plan available. It is designed to work alongside original Medicare (Medicare Parts A and B) to cover nearly all out-of-pocket costs. While original Medicare coverage provides substantial benefits, it doesn’t cover everything, leaving beneficiaries responsible for deductibles, copayments, and coinsurance. Plan F coverage steps in to fill those gaps.

 

 

 

 

Plan F Benefits and Key Features

  • Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are exhausted)
  • Part B coinsurance or copayment for doctor visits and outpatient services
  • Blood (first 3 pints per calendar year)
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part a deductible (which is $1,676 in 2025)
  • Part B deductible (which is $257 in 2025)
  • Part B excess charge (when doctors charge more than the Medicare-approved amount)
  • Foreign travel emergency care (up to plan limits)

 

 

 

Understanding Medicare Plan F Costs in Fort Lauderdale

  • What Determines Your Monthly Premium Range?

    Several factors influence the cost you’ll pay for this medicare supplement insurance plan:

    • Age: In Florida, private insurance companies can use your age to determine premiums. Rates typically increase as you get older.
    • Gender: Some carriers factor gender into their pricing calculations.
    • Tobacco Use: Smokers generally pay higher premiums than non-smokers.
    • Zip Code: Your Fort Lauderdale location can affect pricing based on local health care costs.
    • Insurance Carrier: Different private insurance companies offer this medicare plan at varying price points, which is why shopping around is crucial.
    • Pricing Method: Insurers use different rating methods:
      • Community-rated (same price for everyone regardless of age)
      • Issue-age-rated (based on your age when you first buy)
      • Attained-age-rated (increases as you age)

    While private insurance companies cannot increase your premium based on your personal health status, most Plan F policies do experience premium increases over time. These increases typically result from inflation, rising health care costs industry-wide, and your age (depending on the rating method used by your carrier). This is why we monitor these changes and conduct annual reviews to ensure you’re still getting the best value for your coverage needs.

  • Is Plan F Worth the Cost?

    For frequent healthcare users or those who value budget predictability, this often provides excellent value despite higher premiums. Our team at MedigapRx can analyze your specific situation, considering factors like your current health status, medication needs, preferred doctors and hospitals in the Broward Health and Memorial Healthcare System networks, and overall budget to determine if this medicare supplement Plan remains your most cost-effective option.

  • Comparing Your Options

    Traditional Plan F:

    • Higher monthly premiums
    • No deductible to meet
    • Immediate comprehensive coverage
    • Best for those who want complete predictability and use healthcare services regularly

    High Deductible Plan F:

    • Lower premium option
    • $2,800 annual deductible (2025)
    • Full coverage after the deductible is met
    • Best for those in good health who want catastrophic coverage

    Our advisors can help you evaluate which version makes more financial sense based on your healthcare utilization patterns and budget preferences.

It’s essential to understand that while this Medicare supplement plan offers the most comprehensive coverage, it typically comes with higher premiums compared to other Medicare supplement plans. However, these monthly premiums translate to significant savings overall by eliminating out-of-pocket costs throughout the calendar year.

 

 

 

Plan F Availability: Important Changes You Should Know

Since January 1, 2020, Medicare Supplement Plan F has not been available to new beneficiaries. This change resulted from the Medicare Access and CHIP Reauthorization Act (MACRA) of 2015, which eliminated Medicare supplement plans that covered the Part B deductible for people who became eligible for Medicare on or after January 1, 2020.
  • Were eligible for Medicare before January 1, 2020
  • Already have a Plan F policy (you can keep it or switch to another Plan F from a different carrier)
  • Became eligible for Medicare due to disability before January 1, 2020

You can enroll in or keep this Medigap plan if you:

If you’re enrolled in plan F or another Medicare Supplement plan, you can switch to a different medicare supplement plan at any time. However, the ease of switching depends on your timing and circumstances. During your initial enrollment period, which begins when you’re 65 or older and enrolled in medicare part b, lasting six months, you have guaranteed issue rights. This means you cannot be denied coverage or charged more based on health conditions, giving you the broadest coverage options available.

Outside of this Medigap open enrollment period, you may need to undergo medical underwriting when switching plans. Private insurance companies can review your health history and potentially deny coverage or charge higher premiums based on pre-existing conditions. Our team can explain your options and help you understand the best time to make a change to minimize costs and ensure continuous coverage.

You still have excellent options if you become eligible for Medicare on or after January 1, 2020. Plan G has become the most popular alternative among other Medicare plans, offering nearly identical coverage to Plan F. The only difference is that plan G doesn’t cover the Part B deductible ($257 in 2025), but it typically comes with significantly lower premium costs that more than offset this small annual expense.

Plan N is another option worth considering. It offers strong coverage at an even lower premium, though it requires small copays for office visits and emergency room visits.

Our team at MedigapRx specializes in helping Fort Lauderdale residents compare these two plans and other Medigap plans to ensure you get the right plan for your specific situation.

Why Choose MedigapRx for Plan F Guidance

Local Expertise

As Medicare specialists serving Fort Lauderdale and Broward County, we understand the local healthcare landscape. We know which Medigap plans work best with Broward Health Medical Center, Holy Cross Health, Cleveland Clinic Florida, and other South Florida providers you trust.

Independent Advice

Unlike captive agents representing a single insurance company, we work with 10 leading private insurance companies offering 692 products. This means we can provide truly unbiased recommendations based on what’s best for you, not what’s best for an insurance company’s bottom line.

Personalized Service

Every client receives individualized attention. We take the time to understand your health status, budget, preferred doctors, prescription medications, and long-term healthcare goals before recommending medicare supplement plans.

No-Cost Consultations

Our services are completely free to you. Insurance companies compensate us, so you get expert guidance without paying consultation fees.

Ongoing Support

Medicare planning doesn’t end at enrollment. We provide annual
reviews during the open enrollment period to ensure your coverage
remains optimal as your needs change and new options
become available.

How We Help

FREE INITIAL CONSULTATION

Step 1

We begin with a comprehensive conversation about your current situation, healthcare needs, and financial goals. During this consultation, we’ll:

  • Review your current medicare coverage
  • Discuss your preferred doctors and hospitals in Fort Lauderdale
  • Analyze your prescription drug coverage needs
  • Explain how this most comprehensive Medigap plan compares to other options
  • Provide personalized recommendations based on your unique circumstances

PLAN COMPATISON AND ENROLLMENT

Step 2

Once we understand your needs, we’ll present you with side-by-side comparisons of available medicare supplement plans from multiple private insurance companies. We’ll break down the costs, benefits, and differences so you can make an informed decision. When you’re ready to move forward, we handle all the enrollment paperwork and submit it directly to your chosen insurance company.

ONGOING SUPPORT AND ANNUAL REVIEWS

Step 3

Our relationship doesn’t end when you enroll. We’re here for you year after year, providing:

  • Annual coverage reviews during Medigap open enrollment
  • Assistance with claims questions or billing issues
  • Updates on plan changes and industry news
  • Help with appeals if needed
  • Access to our 24/7 customer care department

You’ll never need to navigate 1 800 customer service lines alone. We’re always just a phone call away.

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Find the Right Medicare Plan Without the Headache

Take the next step with MedigapRx and make Medicare simple. Whether you’re reviewing your current Plan F or comparing options like Plan G or Plan N, our licensed Medicare advisors help you find coverage that fits your health needs and budget, never the plan that benefits us most.

Call (954) 737-7877 or schedule your free consultation today to find the plan that’s truly right for you.

Call Now: (954) 737-7877 Book an appointment