MHI – Q: Is it true the F plan is going away?

Posted by MedEd at MHI
A: In a word, no. The F plan is not going away!

Plan F, the most popular of the ten standardized Medicare Supplement plans available today, will no longer be sold to people who become eligible for Medicare on or after January 1, 2020. (This applies to the not-quite-as-popular Plan C as well.)

What’s causing all the ruckus? Thanks to MACRA, a law passed in 2015, companies cannot sell Medicare Supplements that cover the Part B annual deductible to anyone who qualifies for Medicare on or after 1/1/2020. They may continue to sell Plan F and Plan C to anyone who becomes eligible for Medicare prior to that date.

You may keep your F plan if you become eligible for Medicare by age or by disability before 1/1/2020. Your plan will work exactly the same after 1/1/2020 as it does today.
  • Plan F will continue to pay the Part B deductible.
  • Plan F will cover 20 percent of Part B charges after Medicare pays their 80 percent.
  • You will not be responsible for any copays or coinsurance.
If you are not eligible for Medicare yet, but will be eligible before 1/1/2020, you can still purchase Plan F - whether it’s before or after 1/1/2020.  MACRA only impacts people who become eligible for Medicare on or after 1/1/2020.  

Did you delay signing up for Part B at age 65 because you or your spouse were currently employed and had a large employer group health plan based on that current employment? If you turned 65 before 1/1/2020 but don’t plan to sign up for Part B until after 1/1/2020, you can still buy the F plan after 1/1/2020 because you became eligible for Medicare prior to 1/1/2020.

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  • Not connected with or endorsed by the U.S. or state government.
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  • Benefits not provided for expenses incurred while coverage under the group policy/certificate is not in force, expenses payable by Medicare, non- Medicare eligible expenses or any Medicare deductible or copayment/coinsurance or other expenses not covered under the group policy/certificate.