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Understanding AARP Plan F

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Understanding AARP Medicare Supplement Plan F: What Is It and How Does It Operate?

Medicating is complicated for most seniors because of the different plans available. Most people hear different letters flying around, making it hard to differentiate one plan from the next. AARP Medicare Supplement Plan F is an ideal example of Medicare Supplement Insurance (Medigap) and helps fill the gap missing in the Original Medicare coverage. That includes deductibles, co-payments, and coinsurance.

The AARP Medicare Supplement Plan F offers the best options, if any, Medigap plans. However, if you did not qualify for Medicare in December 2019, you cannot purchase Plan F. You might find that you are eligible for the plan. Still, it turns out to be more expensive than other Medigap plans available. You might also spend more money than the additional coverage you should get. Therefore, look for other Medigap plans with similar coverage if you are ineligible for AARP Medicare Supplement Plan F.

Who Is Eligible for AARP Plan F?

  • It is available to individuals who turn 65 before December 31, 2019. But there are expectations on who can still be eligible for this medical plan based on the following conditions:
  • An individual who turned 65 before January 1, 2020
  • You were under 65 and had enrolled in Medicare Plan A before January 1, 2020.


Things AARP Plan F Covers

  • It offers extra coverage to supplement your original plan, Part A and Part B. Here are some of the things covered in this plan:
  • Foreign travel emergency with a maximum of $50,000
  • Blood transfusion services: The first three pints of blood
  • Part A hospice care co-payment
  • Medicare Part A and Part B deductible
  • Part B Co-payment
  • Part B extra charges


What Isn’t Covered?

Although AARP Plan F covers a lot, it also has its gaps, as indicated here:

  • Dental services
  • Vision care
  • Prescription medication
  • Cosmetic surgeries
  • Hearing problems
  • How Does It Work?

    Medicare covers several approved health services, while Medigap overs its share. Therefore, you will be paying separate monthly expenses for Medigap advantages. What sets this plan apart from other Medigap plans is that it handles the Medicare Plan B annual deduction.

    What Is the Cost of AARP Plan F?

    Different factors determine this plan’s cost, including location, age, tobacco usage, and gender. Discounts are sometimes available for non-smokers, married individuals with multiple policies, or women. People eligible for this plan pay between $150 and $400 monthly. However, someone living in Raleigh, NC, pays $117, whereas someone living in Portland might pay up to $244 monthly. Should you choose a high-deductible Plan F, you will be paying an annual amount of $2,490.

  • What Happens If You Are Not Eligible For Plan F?

    Enrolling in Plan F now will be impossible if you were not eligible before January 1, 2020. However, Plan G offers a similar plan available to anyone above 65 years. If you are confused about where to start, we are here to help. Our agents are experienced in helping clients pick the right plans and know who to move forward with if they do not qualify for AARP Plan F.