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Medicare Supplement Plan HD-F: What Is It & What Does It Cover?


Looking for a Medicare Supplement Plan with low monthly premiums and very low rate increases? The Medigap HD-F plan may be the option for you. The H”D-F” stands for “High Deductible” plan F.

The benefits of Medicare Supplement Plan HD-F are pretty straightforward. The consumer will pay his/her Medicare Part A and Part B deductibles as if on Original Medicare. Assuming each deductible has been satisfied, the consumer is then responsible to pay typically 20% of Medicare approved charges thereafter.

All payments go toward the overall plan deductible $2,370 in 2021. Assuming the consumer satisfies the plan deductible during a given calendar year, the consumer is then covered 100% moving forward on all Medicare approved cost.

Because Medicare Supplement Plan HD-F provides the flexibility to choose any provider nationwide and consumers are already familiar with the co-pay concept and annual out-of-pocket structure, Medicare Supplement Plan HD-F has proven to be a great transition for Medicare Advantage customers that are tired of being restricted.


Medigap Plan HD-F Coverage Information

Benefits covered by Medicare Supplement Plan HD-F:

  • Basic BenefitsPart A (hospital) Co-insurance
  • Part B (physician) Co-insurance (generally 20% of outpatient expenses)
  • 365 additional days for hospital coverage
  • Blood deductible coverage (the cost of the first three pints of blood)
  • *Part B Excess Charges
  • *Skilled Nursing Co-insurance
  • *Foreign Travel Emergency Care

*Benefits only paid 100% after the annual deductible for the plan has been satisfied $2,370 in 2021.

Learn More: How do insurance companies price Medicare Supplement (Medigap) plans?

People Also Read: What are the differences between Medicare Supplement (Medigap) Plans F, G and N?

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Senior Healthcare Solutions, you truly stand out from most other insurance agents. Thank you so much for all of your help and I know that you will have nothing but success with how you conduct business.

Joan B.

Montgomery, AL

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