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Published on October 22, 2019

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Will I Lose My Plan F and Other Common Medicare Supplement Questions

Medicare coverage can seem complicated, at least until you get the hang of it.

Medicare parts A, B and D cover things like clinic visits, hospital stays and prescription drugs, but there are still out-of-pocket costs and no out-of-pocket maximum.

That’s why many people consider a Medicare Supplement plan. These plans help cover things like co-pays, coinsurance and deductibles. It’s a great way to budget for unexpected medical expenses on a post-retirement budget.

Here are some common questions about Medicare Supplement, answered by Avera Health Plans experts.

Will I lose or be able to buy Plan F in 2020?

Plan F is one of the most comprehensive Medicare Supplement options but will no longer be offered to individuals who are Medicare eligible starting in 2020. If you are Medicare eligible prior to Jan. 1, 2020, you can still to purchase Plan F, even after Jan. 1, 2020.  

What’s the best option beyond a Plan F?

Plan F is a popular option because it covers all out-of-pocket costs with a monthly premium. Plan G is a similar plan, though it has a Part B deductible. For most people, the savings from the lower premium would cover the deductible.

Can I get dental, vision and hearing coverage?

Dental, vision and hearing are not covered by Medicare or Medicare Supplement plans, although there are some exceptions if these services are needed due to a specific illness such as diabetes. Avera’s Medicare Supplement plans do not offer coverage for dental, vision and hearing because some plans may offer a discounted vision service as an add-on. You must purchase these added plans through a private carrier. Be sure to consider your premium, coverage and deductibles when considering these additional plan options. 

Am I covered when I travel?

Travel within the United States is covered. However, foreign travel coverage is not as expansive. Medicare does not cover any foreign travel, but some Medicare Supplement plans offer coverage with a deductible and coinsurance. But the lifetime coverage limit is $50,000. We recommend people get travel insurance through their travel agent for this kind of coverage because $50,000 may not go very far.

How do I enroll?

You must enroll in Medicare at the Social Security office, and there are certain time limits based on when you’re enrolling. If you plan to enroll when you turn 65, you can enroll starting three months before your birthday month until three months after your birthday month. Medicare Supplement plans are available through private health insurance companies.

What if I need help?

An insurance agent can walk you through the process so you meet all the deadlines and requirements of signing up for Medicare and getting a supplement plan in place as well. Agents will also help you find a Medicare Supplement plan that fits your budget. 

If you want to talk with someone about your Medicare Supplement needs, Avera Health Plans agents are located across the state and ready to answer your questions. Go to AveraHealthPlans.com to find an agent near you.

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