I'm enrolled in a Medigap Plan F, and I'm not sure how my emergency room visits are handled. Is there a copay I should expect?

Question

Larry Dalton · Accepted Answer

With your Medigap Plan F, there should not be any cost for an emergency room visit unless you are traveling outside of the U.S. Plan F will then cover 80% of most of your medical expenses for international travel, provided they accept Medicare. If not, you may need to file it with your insurance when you return to the States to recover your cost. There is a lifetime maximum on international travel expenses.

Answered by Larry Dalton on April 7, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent

Pamela Camey · Answer

If you have a Medigap plan F there would be no copayment for emergency room visit, but if you are travelling internationally that is a different story. Plans provide 80% to a lifetime maximum of $50,000 in coverage after the first $250 deductible each calendar year

Answered by Pamela Camey on March 28, 2025

Broker Licensed in IL, FL, IA & 7 other states

Answered by Pamela Camey Medicare Insurance Agent

Kent Pike · Answer

No, plan F covers everything that is Medicare Approved.  If you are on Plan F, you are on a Grandfathered plan that has first dollar coverage.

Amy Twary · Answer

Plan F will cover your ER expenses as long as you go to an ER that accepts Medicare. Your Plan F will cover you 100% for all Medicare services.

Robert Krauthamer · Answer

If you are enrolled in a Plan F you should not expect to have a copay. 

Feel free to call me if you have additional questions about your Plan F or other Medicare related questions.

-Robert Krauthamer
(206) 274-4030

Diana Salisbury · Answer

There is no medical copay for anything with plan F.  This includes, doctor's visits, hospital stays, emergency room visits, etc.  It is a fabulous plan!

Joanna Gebhart · Answer

With a Medigap plan F policy your emergency room visits are first covered 80% by Original Medicare with the Medigap policy covering the remaining 20%.  There should be no copay for this visit.

Kimberly Griego · Answer

You should not have any costs billed to you for an emergency room visit. Medicare will pay it's share at 80%, and your Plan F will pick up the remaining 20%.

Keith Brown · Answer

There are no out of pocket for emergency room visits. Plan covers Medicare approved expenses at 100%,

Raquel Weir · Answer

Medicare Supplement Plan F (Medigap Plan F) generally does not have copays for covered services. It's designed to cover the cost-sharing requirements of Original Medicare (Part A and Part B). This means it covers deductibles, coinsurance, and copayments, potentially leaving you minimal out-of-pocket expenses.

Answered by Raquel Weir on April 22, 2025

Broker Licensed in TX & LA

Answered by Raquel Weir Medicare Insurance Agent

I'm enrolled in a Medigap Plan F, and I'm not sure how my emergency room visits are handled. Is there a copay I should expect?

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I'm enrolled in a Medigap Plan F, and I'm not sure how my emergency room visits are handled. Is there a copay I should expect?

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