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

  • Medicare with Melissa

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.


Oh my gosh!! I was so confused about the Medicare Supplement process. I am turning 65 soon and am retired and have always had insurance thru my former employer. I didn’t know a thing about going on Medicare and was struggling to sort it all out.

A friend of mine recommended contacting Senior HealthCare Solutions, so I did. Melissa was FANTASTIC!! She was professional, responsive, caring and friendly. She explained the steps I needed to take, gathered my information, helped me choose good plans for MY specific needs and took care of my applications over the phone. 1-2-3, eesy-peesy and I was done!! And it didn’t cost me a DIME!!! WOW!!! I HIGHLY recommend Senior Healthcare Solutions for anyone who’s overwhelmed with making the right choices with Medicare Supplemental Insurance and Rx coverage. It’ll take a load off your mind!

Janice W.

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