What is true about Medigap Plan F for those turning 65 after January 1, 2020?

Medigap Plan F is a supplemental insurance plan designed to cover costs that Original Medicare does not, such as copayments, coinsurance, and deductibles. However, as of January 1, 2020, new enrollees who turn 65 or become eligible for Medicare cannot purchase Plan F. This change means that while individuals who were already enrolled in Plan F before this date can keep their coverage, new beneficiaries must look to other Medigap plans that are available to them.

This situation arises because of legislative changes aimed at making Medigap coverage more standardized and potentially more affordable. As a result, newer enrollees may opt for alternatives such as Plan G or Plan N, which offer similar benefits but with some differences in coverage.

While the other options present characteristics of various Medigap plans, they do not reflect the availability of Plan F for those turning 65 after January 1, 2020. For example, it is not accurate to say that Plan F is the only plan covering all deductibles, as other plans also provide coverage for certain deductibles within specified limits. Similarly, while Medigap plans are available to individuals regardless of age, the significant point of change is specifically regarding those turning 65