Aging In

Plan F is one of the letter plans if you purchase a Medicare Supplement plan.  Plans F and G are the only Medicare Supplement insurance plans that cover costs known as Medicare Part B excess charges. An excess charge is the difference between what a doctor or provider charges and the amount Medicare will pay. These plans will help protect you from additional out-of-pocket expenses should you need treatment that exceeds what Medicare will approve. Plan F also has a high-deductible option*. Plans F and G cover 100% of the Medicare Part B excess charges.

With Medicare Supplement Plan F, you get the most complete coverage available. Because the plan covers costs in excess of Medicare-approved amounts, you may have no out-of-pocket costs for hospital and doctor's office care with this plan.

Medicare Supplement Plan F covers:

Basic Medicare benefits including

  • Hospitalization: pays Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
  • Medical Expenses: pays Part B coinsurance — generally 20% of Medicare-approved expenses — or copayments for hospital outpatient services
  • Blood: pays for the first three pints of blood each year
  • Hospice care: pays Part A coinsurance

In addition to the basic benefits, Plan F also provides coverage for:

  • Skilled nursing facility care
  • Medicare Part A deductible for hospitalization
  • Medicare Part B deductible for medical and hospital outpatient expenses
  • Medicare Part B excess charges (this is the difference between what a doctor or provider charges and the amount Medicare will pay up to Medicare's limiting amount)
  • Travel-abroad medical emergency help

But did you know that in 2020, companies and insurance agents will no longer be allowed to sell plan F, although people who currently are enrolled in plan F, and who enroll for another few years, will be allowed to keep plan F.  So in essence, no, plan F is not going away, but after 2020 no Medicare participant will be able to enroll in it.  Plan G will most likely be the plan of choice, as the only difference currently between Plan F and Plan G are that Plan F pays the part B deductible (currently in 2017 is $183).

Contact me if you want more information on the differences between the different supplement plans and what they mean for you.  

There are certain conditions that allow you to enroll in a dual-snp (special needs plan):

They are as follows:



Alcohol addiction

Autoimmune (such as rheumatoid arthritis)


Cardiovascular disease

Chronic heart failure


liver disease



chronic lung disorder (asthma)

bipolar disease

multiple sclerosis (ms)


A special needs plan usually gives participants enhanced benefits such as rides to and from the doctor/hospital, special meals delivered, and doctors who are specially trained in these specific areas.  

Medicare Advantage plans are different in every area, and act just like the insurance plans you had when you were working.  A medicare advantage plan can be either an HMO or PPO, and may have different monthly premiums, copays, and co-insurance.  In addition, there are specific rules about when you may enroll in such a plan.

If you have moved recently to the San Francisco Bay area, and are on Medicare, then definitely get in contact me with me.  I can help you choose the right plan for you.  I service the San Jose, Santa Clara, Menlo Park, and surrounding areas.  Let me know if you have any questions.  Thank you!

Medicare supplements plans are for medicare beneficiaries who want flexibility and fixed costs for their health plan.  A Medicare Supplement isnurance policy helps you manage and budget your health care expenses.

Filling in the gaps

Medicare provides beneifical cover for health related expenses, but it does not cover all health care expenses.  There are a number of gaps in Medicare coverage that you either pay for out of pocket or with private insurance.  A Medicare Supplement insurance policy is a health insurance policy (also called Medigap) sold by a private insurance company to help fill in those gaps. 

Know Your Options

Although private insurance companies provide Medicare Supplement coverage, Medicare Supplement insurance plans are strictly regulated by both federal and state government.  Make an informed choice about what is right for you.  Before you purchase a plan, make sure you understand what your Medicare coverage includes, then choose a Medicare Supplement plan that best fits your needs.   

Take Care of Yourself

A Medicare insurance policy helps you manage and budget your health care expenses with predicatability and stability.  Unexpected medical expenses can put your savings at risk.  A Medicare Supplement insurance policy helps provide financial security and peace of mind - helps you pay the out-of-pocket costs for Medicare approved services and works hand-in-hand with Medicare to provide more insurance coverage. 

No Restrictive Networks

A Medicare Supplement insurance policy has no restrictive networks (as long as the provider accepts Medicare insurance), you can visit the physicians of your choice, and you have freedom when choosing a health care provider, including specialists and specialty hospitals.  With automatic claims filing by most providers, you have less things to worry about.

A Medicare Supplement Insurance (Medigap) policy is health insurance sold by private insurance companies which can help pay some of the health care costs that Original Medicare doesn't cover, like coinsurance, copayments, or deductibles. Some Medigap policies also cover certain benefits Original Medicare doesn’t cover, like emergency foreign travel expenses. Medigap policies don’t cover your share of the costs under other types of health coverage, including Medicare Advantage Plans (like HMOs or PPOs), stand-alone Medicare Prescription Drug Plans, employer/union group health coverage, Medicaid, or TRICARE. Insurance companies generally can’t sell you a Medigap policy if you have coverage through Medicaid or a Medicare 


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Medicare Advantage plans change every year.  Check here to see what the latest rules are regarding how medicare advantage plans are administered.  

Medicare Supplement plans are also known as medi-gap plans.  They cover the gap between what original Medicare pays, and the remaining fees that you would pay.  

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Special Enrollment Periods

If you have recently moved, or have started to receive low income assistance, or are on Medicaid and Medicare - contact us to see if your special situation allows you to add/change plans throughout the year.  Otherwise, the regular open enrollment for Medicare Advantage plans is from October 15- December 7 of each year. Contact us with any questions.

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