Is Medigap Plan F the Best Supplement? For most Medicare beneficiaries the selection of Medigap Plan F over other choices appeared to be a no-brainer. With Plan F, a Medicare beneficiary could expect that all covered Medicare services and procedures will be paid for by either Medicare or the Supplemental insurance company. Other than the plan premiums, there should be no other out-of-pocket expenses. Most sales reps were happy to oblige and even today sell Plan F when asked because it’s the easy thing to do. Of course, it doesn’t hurt that the comprehensive coverage of Medigap Plan F means higher premiums which equate to higher commissions for the salesperson. As a result, Medicare Supplement Plan F is by far the most popular Medigap Plan used by seniors in the United States. In fact, a survey conducted in 2010 showed that 40% of all Medigap Plans held were Plan F. While the Medigap Plan F coverage is comprehensive, price wise Plan F is not always the best value.