What Does Medicare Supplement F Cover? 
Medicare Supplemental Plan F covers 100 % of what Medicare does n't cover . Keep in mind , when you have Supplemental -LRB- AKA Medigap -RRB- Plans , Medicare is your primary insurance provider . For medically necessary procedures , Medicare Parts A -LRB- Hospital -RRB- and B -LRB- Doctors -RRB- provides good coverage , but still leaves folks on Medicare with a lot of out of pocket exposure . The Plan F pays for everything that Medicare does n't pay . However , if Medicare determines that the medical procedure you received was n't medically necessary , they wo n't pay anything nor will the Supplement Plan -LRB- regardless of who you get your supplemental plan with -RRB- . 