Medicare Supplement Plan F
Mutual of Omaha Medicare Supplement Plan F in Iowa
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Plan F is the most comprehensive Medicare supplement insurance plan ever standardized: it fills the gaps left by Original Medicare and covers nearly all out-of-pocket Medicare costs, including both the Part A and Part B deductibles, so most enrollees pay nothing at the doctor or hospital beyond their premium. Mutual of Omaha medicare supplement plan F remains one of the most held policies in Iowa, though it is closed to newly eligible enrollees.
Plan F Covers:
Plan F covers every gap a supplement is allowed to fill:
- Covers Medicare Part A coinsurance and the hospital deductible ($1,632 in 2024; updated annually by CMS)
- The Medicare Part B deductible ($240 in 2024) in full
- Part B coinsurance, the 20% of costs that Original Medicare doesn't pay
- 365 extra hospital days after Medicare benefits end
- First 3 pints of blood annually
- Part B excess charges: the plan pays 100%
- Skilled nursing facility care coinsurance for days 21-100
- Foreign travel emergency care: 80% after a $250 deductible, $50,000 lifetime maximum
Important: Plan F Eligibility
Plan F is the most popular Medicare Supplement plan, with over 70% of enrollees choosing it. However:
Plan F is no longer available to new Medicare beneficiaries who became eligible for Medicare on or after January 1, 2020 (per the MACRA law).
If you became eligible before 2020: you can still enroll in Plan F.
If you became eligible 2020 or later: consider Plan G — nearly identical, except you pay the $240 Part B deductible.
Why Is Plan F Being Discontinued for New Enrollees?
The MACRA law barred any Medicare supplement insurance plan that covers the Part B deductible from being sold to people who become eligible for Medicare on or after January 1, 2020. That closed both Plan F and Medicare Supplement Plan C to newcomers. If you were eligible for Medicare before January 1, 2020, you can still purchase Plan F today, even if you only recently enrolled in Medicare Part B. Anyone newer should compare Plan G, which works like Plan F in every other respect.
Mutual of Omaha Plan F Cost in Iowa
Plan F costs more than any other letter because it leaves no health care costs uncovered. As a reference from our quoting, a typical annual premium runs around $1,612, against $1,186 for Plan G. Your exact rate depends on age, ZIP code, gender, and tobacco status, and because the plan’s risk pool is closed to new entrants, rate increases tend to outpace other plans over time. That math is exactly why many longtime enrollees re-shop their coverage each year.
Is Plan F Worth Keeping?
If you are already enrolled in Plan F, keeping it can still make sense: you enjoy first-dollar coverage, and switching means medical underwriting unless you have a guaranteed issue right. But compare annually, because the true cost of keeping it grows. When the premium gap versus G’s premium exceeds the $240 deductible you would absorb, switching saves money for as long as you can pass underwriting. We run that re-shop of your Medicare supplement insurance for free, including against plans F and G from every other carrier in Iowa.
Plan F vs Plan G in Iowa
The two letters differ by a single benefit: G does not cover the Part B deductible. Everything else, from excess charges to foreign travel, is identical. Plan G premiums are lower, its risk pool is open and healthier, and its annual increases are historically smaller, which is why most eligible shoppers now choose it. Our Plan G guide has the full breakdown, and our Plan N page covers the budget-friendly third option. We quote all the insurance companies offering these letters, with rates as offered in Iowa.
Frequently Asked Questions
How Do I Enroll in Mutual of Omaha Medicare Supplement Plan F?
Apply for Medicare supplement coverage online in minutes, by fax at (847) 220-9280, or by email to our contact form. Not sure between letters? Start with the full plan comparison or the Iowa medicare supplement overview, or call (855) 847-7020 and we will sort it out in one conversation.