Is Plan F going away in 2020?

Medicare Supplement Plan Changes for 2020

There are changes coming to Medicare Supplement plans effective January 1, 2020.


Plan F is one of the most comprehensive Medicare Supplement plans available.  Among the standardized Medicare Supplement plans, Plan F may leave you with the fewest Medicare out-of-pocket costs to pay and perhaps the easiest way to budget your health-care spending.

The new law states that on or after January 1, 2020, a Medicare Supplement policy that provides coverage of the Part B deductible may not be sold or issued to a newly eligible Medicare beneficiary.  Client’s whose birthday is December 31, 1954 (turning 65 on December 31, 2019) may be the last group able to enroll in Medicare Supplement Plan F. After January 1, 2020, clients will not be able to enroll in Medicare Supplement Plan C, one of the closest alternatives to Plan F, either, since it also covers the Part B deductible. If you already have Plan F, you can keep it. The law only affects new enrollees (those eligible January 1, 2020, or later).

The good news for enrollees buying a Medicare Supplement plan after January 1, 2020, is that the Part B deductible, which will not be covered in your plan, is not one of the biggest health-care costs under Medicare. In 2019 the Part B deductible is $185 per year.  Almost all the standardized Medicare Supplement plans available in most states (except Medicare Supplement Plan A) still may cover at least 50% of the Medicare Part A deductible. If you are unable to enroll in Plan F or Plan C, you may consider buying Medicare Supplement Plan G, which generally covers everything Plan F covers except the Medicare Part B deductible.



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