Understanding the High Deductible Plan F (HDF) Supplement

Plan F Recap

We’re back with the Dynamic Duo with me, Allie Shipman, and my partner John Shinn. Now the last couple of videos we talked about Medicare supplements plan F, plan G, and plan N. Today, we’re going to talk about another plan – a very popular plan called the high deductible F plan or HDF. So, if you remember from our previous videos, the plan F pays for all of what’s approved by Medicare, but not paid in full by Medicare. So, plan F will pay for all the hospital charges or anything from your doctor visits.

High Deductible F Plan

Now, when we talk about the high deductible F plan, it is exactly like plan F except for one difference. You’re going to pay what Medicare doesn’t pay until you reach the annual out of pocket of $2200. Once you reach that $2200, the HDF plan will act exactly like plan F. It’s pretty simple actually. It’s one of our most popular supplements because it’s one of the lowest premiums available. It will be in the $30-$40 range instead of a different supplement plan that could be $140- $150. It will fit most budgets.

A Popular Medicare Supplement Plan

We want to let everybody know that they should know about the Medicare supplement, high deductible plan F. In previous videos, we talked about the 11 standardized plans – specifically the plan F, the plan G, and the plan N. The natural partner to all of these is the high deductible plan F plan. If you will remember, the plan F pays for everything Medicare approves of but doesn’t pay in full for when you’re in or out of the hospital.

High Deductible Plan F Is a Great Value for Any Budget

The high deductible plan F works the same way except for one thing. You pay an annual deductible of $2200. Medicare is going to pay what they pay, and you’re going to pay out-of-pocket until you reach $2200 per year. Then, the high deductible F will kick in like a regular plan F would. The attractive aspect is the premiums. These premiums are $30- $40 a month versus $140- $150 per month. So, you can save a lot of money.

If you don’t go to the doctor regularly and don’t use your Medicare often, you can save a lot of money. If you do use it, then you have a cap on how much you’re going to be out-of-pocket. People who have Medicare supplements should know about the high deductible F plan as an option. I hope this helps and that you understand high deductible F plans a little bit better.

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