What is Standard Life Medicare Supplement Plan F (HD)?
The High Deductible Medicare Supplement Plan F is a variation on the standard Medicare Plan F serviced by Standard Life. This plan requires you to pay all out-of-pocket costs for the first $2,240 in charges, after which Standard Life and Accident Insurance Company starts paying its portion of the coverage.
Here's a list of costs and benefits covered by a High Deductible Plan F policy:
- Part A deductible
- Part B deductible
- Part B excess charges
- Preventative care Part B coinsurance
- Part A hospital and coinsurance costs up to an additional 356 days after Medicare benefits are exhausted
- Part B coinsurance or co-payment
- First three pints of blood used in an approved medical procedure (annually)
- Part A hospice care co-payment or coinsurance
- Skilled Nursing Facility (SNF) coinsurance
- Foreign travel emergency
If you need to avoid serious financial risk and have a low monthly premium, this plan is worth a look. Once the deductible is met, Standard Life covers all remaining hospital and doctor costs after Medicare pays its portion.
Premiums on this Medicare plan in Arizona are as low as $26.48* per month. Other plans from Standard Life may be available for less. That said, the details of this high deductible plan make it an excellent option if you are looking to insure against the risk of high medical bills due to hospitalization, serious illness, or a chronic condition, while keeping your monthly premium as low as possible.
- Standard Life Medicare Supplement Insurance Review (Arizona)
- Cheapest Medicare Supplement Plans in Arizona
Standard Life Medicare Supplement Plan HD-F vs. Competition
The following table shows how Standard Life's Medicare Supplement Plan HD-F stacks up with the competition.
Coverage and Costs
Standard Life Medicare Supplement Plan F (HD) may offer expansive coverage, but it does not cover everything. Beneficiaries are still required to pay their Medicare Part B premium payments each month, and you may have a Part A premium if you did not pay Social Security taxes for at least 40 calendar quarters (10 years). Plus, don't forget that you must pay the first $2,140 out-of-pocket.
Like all other Plan F supplements, this policy covers the gaps in your major medical expenses, but it does not pay for prescriptions, hearing, vision, dental and other healthcare needs not covered by Original Medicare.
The chart below explains how this plan covers the portions of Medicare Part A (hospital insurance) that are not paid by Medicare.
The following table details how the plan covers the portions of Medicare Part B (medical insurance) that are not paid by Medicare.
Prescription Drug Coverage
The 10 standardized Medicare Supplements do not cover prescriptions. Add a Medicare Part D Plan (PDP) for prescription coverage. Here are a few plans available to you in Arizona:
|Blue MedicareRx Essential||$28.50||$415.00|
|Magellan Rx Medicare Basic||$32.00||$415.00|
|Blue MedicareRx Enhanced||$96.60||$0.00|
|WellCare Value Script||$13.40||$415.00|
|Humana Walmart Rx Plan||$26.30||$415.00|
|AARP MedicareRx Saver Plus||$32.90||$415.00|
|Express Scripts Medicare - Choice||$98.30||$350.00|
Foreign Travel Coverage
Medicare does not pay for your healthcare (including emergencies) when you travel outside of the United States of America and its territories. If you travel, be sure to enroll in a plan that will cover you at the level you need.
|Foreign Travel Emergency:|
Standard Life Insurance Rating
Standard Life has a Excellent rating from A.M. Best Company, the #1 source for insurance industry rating information. If this was a star rating it would be 4.0 out of 5 stars (Excellent). Use this information as a measure of the financial stability of the insurance carrier when considering Standard Life Medicare Supplement Plan F (HD).
Standard Life Medicare Supplement Plan F (HD) is available to all Arizona Medicare beneficiaries, ages 65 and older, enrolled in Medicare Part B. If you are just turning age 65, you have guaranteed issue rights and cannot be turned down. Plus, this insurance policy cannot be canceled. It will continue to be renewed as long as you pay the premiums on time and make no material misrepresentations.
Medicare Supplement insurance is available from Standard Life in Scottsdale, Phoenix, Peoria, Surprise, Mesa, Tucson, Tempe, Yuma, Avondale, Buckeye, Chandler, Goodyear, Gilbert, Lake Havasu City, Flagstaff, Bullhead City, and most other Arizona cities and locations.
Tips and Disclaimers
The Medicare Supplement plan data on MedicareWire.com comes directly from Medicare.gov and private sources and is subject to change. The Centers for Medicare and Medicaid Services, the Arizona State Insurance Commission, and Standard Life has neither reviewed nor endorsed the information on this site.
The benefit information provided on this page is a brief summary only, not a complete description. Limitations and restrictions may apply. For more information contact the insurance carrier directly at https://slaico.americannational.com/wps/portal/slaico/home/products/health/medicare-supplement/.
The MedicareWire.com website is available for educational purposes. Our goal is to present information accurately and without bias, based on our interpretation of factual information. However, this site is not intended as a substitute for legal, health, or financial advice from a licensed professional. On this page we help comsumers:
Get Standard Life Medicare Supplement Plan F (HD) in Arizona at the lowest premium available. Compare with other Arizona Medigap plans and save!
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 Sample premium is for a 65 year old, non smoking, woman living in Arizona. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
 Review rating stars are derived from MedicareWire reviews on our Arizona Medigap Plan Reviews page.
The Medicare Supplements plan information on MedicareWire is maintained by David Bynon and was last updated on .