What Is Happening to Medicare Supplement Plan F and Plan C?Posted by Medicare Made Clear
Medicare Supplement Plan F and Plan C will not be available to all Medicare beneficiaries starting in 2020. People who turn 65 or become newly eligible for Medicare on or after January 1, 2020 will not be able to buy Plan F or Plan C.
The changes to Plan F and Plan C availability are due to the Medicare Access and CHIP Reauthorization Act (MACRA) signed into law in 2015. MACRA prohibits insurers from selling Medicare supplement plans that cover the Medicare Part B deductible to people who first become eligible for Medicare in 2020 and beyond.
Plans and riders in Massachusetts, Minnesota and Wisconsin that cover the Medicare Part B deductible may also be affected. Supplement plans are standardized differently in these states. Contact your State Health Insurance Assistance Program (shiptacenter.org) for more information.
What If I Already Have Medigap Plan F or Plan C?
You can rest easy if you already have Medigap Plan F or Plan C. The changes to plan availability apply only to people newly eligible for Medicare in 2020 and beyond.
Current Plan F and Plan C members will be able to keep their plans or apply for a different Medigap plan in the future. However, it’s important to note that if you choose to change plans, you may be underwritten in states that allow it. You may not be accepted into your plan of choice.
Who Can Get Still Medigap Plan F or Plan C?
Medigap Plan F and Plan C are and will continue to be available to eligible individuals who turn 65 or who are newly eligible for Medicare before January 1, 2020. As always, review all your Medicare coverage options when making Medicare choices.
For more information about Medicare, explore MedicareMadeClear.com or contact the Medicare helpline 24 hours a day, seven days a week at 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.