How much does AARP Medicare Supplement plan F cost?

AARP Plan F (UnitedHealthcare Medigap) costs vary widely by your age, location (zip code), gender, and tobacco use, generally ranging from $150 to over $400+ per month, with averages often around $200-$250/month for some age groups, though some data suggests averages closer to $228/month in 2025 for standard Plan F, while high-deductible Plan F might be around $82/month. Because Plan F is no longer available for new enrollees after 2020 (unless you were eligible before then), costs and availability depend heavily on when you first got Medicare.

Is aARP Plan F good?

People choose Plan F for its simplicity and peace of mind. It covers all gaps in Original Medicare, making it ideal for those who want predictable, worry-free healthcare costs.

What is the cost of Plan F Medicare Supplement?

Medicare Plan F (if eligible): $108 to $550 per month. Medicare Plan F high-deductible: $32 to $78 per month. Medicare Plan G: $96 to $507 per month. Medicare Plan G high-deductible: $32 to $66 per month.

Is Medicare Supplement Plan F being phased out?

Yes, Medicare Plan F is going away for most people; it was discontinued for anyone becoming eligible for Medicare after January 1, 2020, due to a federal law (MACRA) removing coverage for the Medicare Part B deductible for new enrollees, but if you were eligible before that date, you can keep your existing Plan F or potentially buy it if you qualify as "grandfathered". Plan G is now the top alternative for new beneficiaries, covering everything Plan F did except that Part B deductible. 

What are the disadvantages of Plan F?

The drawback to Plan F is its high upfront cost compared to other available Medicare Supplement plans. Monthly premiums range from about $100 to more than $400, depending on the area where you live. In less expensive regions, you may find smaller differences between monthly premiums.

Medicare Supplement Plan F vs Plan G vs Plan N

Should I switch from Plan F to G?

Key Takeaways. Plan G offers nearly identical coverage to Plan F, except it doesn't pay the Medicare Part B deductible. Plan F is only available to people who became eligible for Medicare before January 1, 2020. Plan G may save you money overall, especially if you don't mind paying a small deductible each year.

Which is better, the Medicare Supplement plan F or G?

If you prefer no medical bills beyond your premiums, Plan F may be the better fit—but only if you were eligible for Medicare before 2020. If you're looking for premium savings and don't mind covering a small out-of-pocket deductible, Plan G offers nearly identical coverage with lower monthly prices.

What is the maximum out-of-pocket for Plan F?

If you enroll in Medicare Supplement Plan F, you will have zero out-of-pocket costs for Medicare-approved services. Although it is the most comprehensive plan, Plan G may be more cost-effective due to the lower premium. Not all beneficiaries qualify for Plan F, as it depends on when they are eligible for Medicare.

What is the most popular AARP Medicare Supplement plan?

Medicare Supplement Plan G is one of the most popular Medigap plans for beneficiaries. Plan G covers all gaps in Medicare except the Part B deductible. The best time to enroll in Plan G is during your Medigap Open Enrollment window.

What does plan F not cover?

Medicare Part B pays 80% of approved services, while Plan F covers the remaining 20% at full cost. Plan F does not cover services that Medicare denies, such as cosmetic surgery, hearing aids, and other similar services.

Does AARP plan F pay Medicare deductible?

Yes, AARP Medicare Supplement Plan F (Medigap Plan F) covers both the Medicare Part A and Part B deductibles, as well as all other out-of-pocket costs like copays and coinsurance, making it the most comprehensive plan for those eligible before January 1, 2020, though it doesn't include prescription drugs. If you became eligible for Medicare after 2020, you generally cannot buy Plan F, but Plan G offers similar coverage without the Part B deductible.
 

Is the medicare supplement plan F worth it?

Coverage: Plan F covers more benefits than any other Medigap plan. Availability: Most companies offer Medigap Plan F to those who qualify. Simplicity: Plan F covers most out-of-pocket costs for Medicare Part A and Part B, so you don't need to worry much about copays, coinsurance and deductibles.

What is the best supplemental insurance for seniors?

The "best" supplemental insurance (Medigap) for seniors depends on individual needs, but top-rated providers for 2025-2026 include AARP/UnitedHealthcare, Blue Cross Blue Shield, Mutual of Omaha, Humana, and Cigna for their strong customer satisfaction, plan variety, or extra benefits like fitness programs. The most popular plans are often Plan G (comprehensive coverage after the Part B deductible) or Plan N (lower premiums with small copays). Always compare plans from different insurers in your area for pricing, discounts, and added perks. 

Do all doctors accept Medicare Plan F?

Unfortunately, though Medicare is a federal program, not all doctors accept it. Healthcare providers have the choice to opt out providers of Medicare, and some often do because of factors like reimbursement rates, certain coverage rules, and challenging paperwork processes.

Why is plan F being phased out?

Why is Medicare Plan F no longer an option for most people? In short, Medicare Plan F is being phased out because of the first dollar coverage that made it so popular. As federal lawmakers saw it, that kind of coverage has the potential to be overused at the expense of the Medicare program.

What is the average cost of a Medicare supplement plan F?

The average cost for Medicare Supplement Plan F (for those eligible before 2020) generally ranges from $150 to over $300 per month, with some averages around $228/month, but prices vary significantly by age, location, gender, and insurer, with high-deductible Plan F being cheaper. Expect to pay more as you age, and remember Plan F covers most out-of-pocket costs, making it comprehensive but often the most expensive option, notes MedicareSupplement.com and Medicare.org. 

What are the biggest mistakes people make with Medicare?

The biggest Medicare mistakes involve missing enrollment deadlines, failing to review plans annually, underestimating total costs (premiums, deductibles, copays), not enrolling in a Part D drug plan with Original Medicare, and assuming one-size-fits-all coverage or that Medicare covers everything like long-term care. People often delay enrollment, get locked into old plans without checking for better options, or overlook financial assistance programs, leading to higher out-of-pocket expenses and penalties. 

Should I switch from Plan F to Plan G?

Cost Savings: Plan G Is Often More Affordable

While Plan F may offer slightly more coverage (by including the Part B deductible), Plan G premiums are often significantly lower. In fact, many enrollees find that even after paying the Part B deductible out of pocket, they still save money annually with Plan G.

What is the high-deductible for Plan F 2025?

Plan F also has a high-deductible plan option. With this option, you must pay for Medicare-covered costs (coinsurance, copayments and deductibles) up to the deductible amount of $2,870 in 2025 before your plan pays anything. You must also pay a separate deductible ($250 per year) for foreign travel emergency services.

Why do people say not to get a Medicare Advantage plan?

People warn against Medicare Advantage (MA) plans due to limited doctor/hospital networks, complex pre-authorization for care, higher potential out-of-pocket costs for serious illnesses, annual plan changes (benefits/networks), denials of care, and difficulty switching back to Original Medicare with a Medigap plan later, especially if you become sick. While MA offers extra perks (dental, vision, low premiums), these restrictions can be burdensome, prioritizing insurer profits over patient freedom, making it risky for those with ongoing health issues. 

Is Plan F still available in 2026?

Yes, Medicare Supplement Plan F is still available in 2026, but only for people who were eligible for Medicare before January 1, 2020; it is no longer offered to those who became newly eligible for Medicare on or after that date. If you were eligible before 2020, you can keep your existing Plan F or potentially enroll if you haven't already, but new enrollees must choose other Medigap plans, like Plan G, which offers similar comprehensive coverage. 

What is the best prescription drug plan for seniors on Medicare?

There's no single "best" Medicare Part D plan; it depends on your medications and budget, but top-rated providers for low costs/premiums often include Humana, Wellcare, UnitedHealthcare (AARP), and Cigna, with Humana Value Rx and UHC's AARP plans frequently highlighted for low deductibles or $0 options for generics, while the official Medicare Plan Finder (Medicare.gov) is the essential tool for comparing plans in your specific area. Always check the plan's formulary (drug list) and pharmacy network against your needs. 

Is Medicare changing in 2025 for seniors?

In 2025, the biggest Medicare changes for seniors focus on Prescription Drug coverage (Part D) with a new $2,000 annual out-of-pocket cap, eliminating the "donut hole," allowing monthly payments for drug costs, and introducing price negotiations, while Medicare Advantage plans face potential benefit adjustments, and Part B premiums and deductibles will increase. Expect some MA plans to reduce extra perks to offset new drug costs, plus updates to telehealth and integrated care options.