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  • Home Medicare Shop for Plans Cigna Medicare Supplement (Medigap) Insurance Plans Medicare Supplement Plan F

    Medicare Supplement Plan F Insurance Coverage

    Ideal for customers looking for extensive coverage and the lowest out-of-pocket costs of all plans for Medicare-covered services.

    Shop and get quotes for Medicare Supplement policies now

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    8 am - 8 pm ET, 7 days a week

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    Save up to 25%: 20% in premiums, plus 5% if you apply online. Learn More

    Learn More

    Online Enrollment Discount

    State variations apply. Discount not available in CT, DC, FL, ID, MA, MN, NJ, NY, OH, OR, VA. To qualify for the online discount, you must be a new Medicare Supplement policy holder with Cigna Healthcare*, without an active policy in the last 90 days. You must submit your Medicare Supplement Insurance application online at Cigna.com to qualify for the discount. If you do not complete the entire application online, and/or call to have an agent submit your application by phone, you will not qualify to receive the online discount. If your spouse is added at the time of application, they are also eligible to receive the online discount per the same terms. Discount qualification determined by Cigna Healthcare. If you qualify, the 5% discount will remain in effect for the life of the policy. For residents of North Dakota, by applying online you save approximately 5%.

    Premium Discount

    State variations apply. Discount not available in HI, ID, MN, and VT. For residents of WA, the discount is referred to as Spousal Premium Discount, and only applies to spouses. Discount percentage varies by state.

    *Insured by Cigna Health and Life Insurance Company, Cigna National Health Insurance Company, American Retirement Life Insurance Company, and Loyal American Life Insurance Company.

    Plan F Product Details

    • Provides extensive coverage and the lowest out-of-pocket costs of all plans for Medicare-covered services.
    • Plan F pays the Medicare Part B (Medical) calendar year deductible, which other standardized plans do not.
    • Only available if your 65th birthday occurred before January 1, 2020, or you qualified for Medicare due to a disability before January 1, 2020.

    For all the details of Plan F coverage, review the policy coverage details below, or explore other Medicare Supplement plans.

    Save with Cigna Healthcare1

    You could save up to 25% with Cigna HealthcareSM, including a premium discount of up to 20%, plus an additional 5% if you apply online. Learn more

    Medicare (Part A) Hospital Services–What Plan F Pays (Per Benefit Period2)

    Hospitalization2

    Semi-private room and board, general nursing, and miscellaneous services and supplies.

    Services
    Medicare Pays
    Plan F Pays
    You Pay
    First 60 days
    All but $1,632
    $1,632 (Part A deductible)
    $0
    61st through 90th day
    All but $408 per day
    $408 per day
    $0
    91st day and after:
    • while using 60 lifetime reserve days
    • All but $816 per day
    • $816 per day
    • $0
    • once lifetime reserve days are used, additional 365 days
    • $0
    • 100% of Medicare eligible expenses
    • $03
    • beyond the additional 365 days
    • $0
    • $0
    • All costs

    Skilled Nursing Facility Care2

    Must have been in a hospital for at least 3 days and have entered a Medicare-approved facility within 30 days after discharge from the hospital.

    Services
    Medicare Pays
    Plan F Pays
    You Pay
    First 20 days
    All approved amounts
    $0
    $0
    21st through 100th day
    All but $204 per day
    Up to $204 per day
    $0
    101st day and after
    $0
    $0
    All costs

    Hospice

    Pain relief, symptom management, and support services for the terminally ill. You must meet Medicare’s requirements, including a doctor’s certification of terminal illness.

    Services
    Medicare Pays
    Plan F Pays
    You Pay
    Hospice services
    All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care
    Medicare copayment/coinsurance
    $0

    Blood

    Services
    Medicare Pays
    Plan F Pays
    You Pay
    First 3 pints (per calendar year)
    $0
    100%
    $0
    Additional amounts
    100%
    $0
    $0

    Medicare (Part B) Medical Services–What Plan F Pays (Per Calendar Year)

    Medical Expenses

    Includes expenses in or out of the hospital and outpatient hospital treatment, such as physician’s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, and durable medical equipment.

    Services
    Medicare Pays
    Plan F Pays
    You Pay
    First $240 of Medicare-approved amounts4
    $0
    $240 (Part B deductible)
    $0
    Remainder of Medicare-approved amounts
    Generally 80%
    Generally 20%
    $0

    Part B Excess Charges

    A doctor may charge an amount for services that exceeds what Medicare covers. This is called an “excess charge.” Medicare puts a 15% limit on the extra amount a doctor can charge.

    Services
    Medicare Pays
    Plan F Pays
    You Pay
    Excess charges
    $0
    100%
    $0

    Blood

    Services
    Medicare Pays
    Plan F Pays
    You Pay
    First 3 pints
    $0
    All costs
    $0
    Next $240 of Medicare-approved amounts4
    $0
    $240 (Part B deductible)
    $0
    Remainder of Medicare-approved amounts
    80%
    20%
    $0

    Clinical Laboratory Services

    Services
    Medicare Pays
    Plan F Pays
    You Pay
    Tests for diagnostic services
    100%
    $0
    $0

    Medicare (Parts A and B)–What Plan F Pays

    Home Health Care Medicare-Approved Services

    Services
    Medicare Pays
    Plan F Pays
    You Pay
    Medically necessary skilled care services and medical supplies
    100%
    $0
    $0

    Durable Medical Equipment

    Services
    Medicare Pays
    Plan F Pays
    You Pay
    First $240 of Medicare-approved amounts4
    $0
    $240 (Part B deductible)
    $0
    Remainder of Medicare-approved amounts
    80%
    20%
    $0

    Other Benefits Not Covered by Medicare–What Plan F Pays

    Foreign Travel

    Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA.

    Services
    Medicare Pays
    Plan F Pays
    You Pay
    First $250 each calendar year
    $0
    $0
    $250
    Remainder of charges
    $0
    80% to a lifetime maximum benefit of $50,000
    20% and amounts over the $50,000 lifetime maximum

    Rates for Medicare Supplement Plan F

    While the benefits of Medicare Supplement Plan F remain the same regardless of your insurance company (as mandated by the government), in some states the premium you pay may vary according to a number of factors, including age, location, gender, and overall health.

    Cigna Healthcare offers competitive rates and, in some states, premium discounts5 of up to 25% may be available for qualified applicants.

    Programs and Services6

    Healthy Rewards Program
    Get discounts on health and wellness programs and services.

    Health Information Line
    Speak with a health advocate7 anytime 24 hours a day, 7 days a week.

    Explore Other Medicare Supplement Plans

    Medicare Supplement Plan G

    Ideal for customers looking for extensive coverage, and a lower premium.

    Medicare Supplement High Deductible Plan G

    Same coverage as Plan G, but you pay the calendar year deductible.

    Medicare Supplement Plan N

    Lower monthly premium, and predictable out-of-pocket costs.

    Medicare Supplement Plan A

    A little extra cost protection, beyond what Original Medicare covers.

    Medicare Supplement High Deductible Plan F

    Same coverage as Plan F, but you pay the calendar year deductible.8

    Questions about Eligibility and Enrollment?

    Retiring at 65? Not retiring until later? Find out how and when you can enroll, how to switch plans, and when is the ideal time to enroll in a Medicare Supplement policy.
    View Medicare Supplement eligibility

    Continue shopping for your own coverage

    Dental Plans

    Other Supplemental Plans

    View Medicare Supplement state disclosures, exclusions, and limitations

    1 Insured by American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna National Health Insurance Company or Loyal American Life Insurance Company. In Kansas, insured by Cigna Health and Life Insurance Company, Cigna National Health Insurance Company and Loyal American Life Insurance Company. American Retirement Life Insurance Company is not available to residents of Kansas and Kentucky. In Illinois, Maryland, North Carolina, Ohio, Pennsylvania and Utah, insured by Cigna National Health Insurance Company domiciled in Ohio. In Idaho and New Mexico, insured by Cigna Health and Life Insurance Company.

    2 A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

    3 Notice: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy’s “Core Benefits.” During this time, the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.

    4 Once you have been billed $240 of Medicare-approved amounts for covered services, your Part B deductible will have been met for the calendar year.

    5 State variations apply. Discount not available in HI, ID, MN, and VT. For residents of WA, the discount is referred to as Spousal Premium Discount, and only applies to spouses. Discount percentage varies by state.

    6 These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Programs and services may be added or discontinued at any time. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. The Healthy Rewards program is provided by Cigna Health and Life Insurance Company. Programs are provided through third party vendors who are solely responsible for their products and services. Program availability may vary by location, and are not available where prohibited by law.

    7 Health advocates are trained nurses and hold current nursing licensure in a minimum of one state, but are not practicing nursing or providing medical advice.

    8 Plans only available if you first become eligible for Medicare before January 1, 2020 (which means your 65th birthday occurred before January 1, 2020). Or you have qualified for Medicare due to disability before January 1, 2020.

    View Kansas disclosures, exclusions, and limitations

    Notice for persons eligible for Medicare because of disability:

    In the following states, all Medicare Supplement plans are available to persons eligible for Medicare because of disability: California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Montana, New Hampshire, Oregon, Pennsylvania, South Dakota, Tennessee, Vermont, and Wisconsin.

    Tennessee Medicare Supplement Policy Forms

    Plan A: CNHIC-MS-AA-A-TN; Plan F: CNHIC-MS-AA-F-TN; Plan G: CNHIC-MS-AA-G-TN; Plan N: CNHIC-MS-AA-N-TN.

    Customer Plan Links
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  • Medicare Advantage and Medicare Part D Policy Disclaimers

    Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group. The Cigna Healthcare names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE are owned by The Cigna Group Intellectual Property, Inc. Subsidiaries of The Cigna Group contract with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in a Cigna Healthcare product depends on contract renewal.

    To file a marketing complaint, contact Cigna Healthcare or call 1-800-MEDICARE (), 24 hours a day, 365 days a year, TTY . Please include the agent/broker name if possible.

    Medicare Supplement Policy Disclaimers

    Medicare Supplement website content not approved for use in: Oregon.

    AN OUTLINE OF COVERAGE IS AVAILABLE UPON REQUEST. We'll provide an outline of coverage to all persons at the time the application is presented.

    Our company and agents are not connected with or endorsed by the U.S. Government or the federal Medicare program. This is a solicitation for insurance. An insurance agent may contact you. Premium and benefits vary by plan selected. Plan availability varies by state. Medicare Supplement policies are underwritten by Cigna National Health Insurance Company, Cigna Health and Life Insurance Company, American Retirement Life Insurance Company or Loyal American Life Insurance Company. Each insurer has sole responsibility for its own products.

    The following Medicare Supplement Plans are available to persons eligible for Medicare due to disability: Plan A in Arkansas, Connecticut, Indiana, Maryland, Oklahoma, Texas, and Virginia; Plans A, F, and G in North Carolina; and Plans C and D in New Jersey for individuals aged 50-64. Medicare Supplement policies contain exclusions, limitations, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact the company.

    This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Please refer to the policy for the full terms and conditions of coverage.

    In Kentucky, Plans A, F, G, HDG, N are available under Cigna National Health Insurance Company, Plans A, F, G, HDF, N are available under Cigna Health and Life Insurance Company and Plans A, B, C, D, F, G, N are available under Loyal American Life Insurance Company.

    Kansas Disclosures, Exclusions and Limitations

    Medicare Supplement Policy Forms: Plan A: CNHIC-MS-AA-A-KS, CNHIC-MS-AO-A-KS; Plan F: CNHIC-MS-AA-F-KS, CNHIC-MS-AO-F-KS; Plan G: CNHIC-MS-AA-G-KS, CNHIC-MS-AO-G-KS; Plan N: CNHIC-MS-AA-N-KS, CNHIC-MS-AO-N-KS

    Exclusions and Limitations:

    The benefits of this policy will not duplicate any benefits paid by Medicare. The combined benefits of this policy and the benefits paid by Medicare may not exceed one-hundred percent (100%) of the Medicare Eligible Expenses incurred. This policy will not pay benefits for the following:

    (1) the Medicare Part B Deductible;

    (2) any expense which You are not legally obligated to pay; or services for which no charge is normally made in the absence of insurance;

    (3) any services that are not medically necessary as determined by Medicare;

    (4) any portion of any expense for which payment is made by Medicare or other government programs (except Medicaid); or for which payment would have been made by Medicare if You were enrolled in Parts A and B of Medicare;

    (5) any type of expense not a Medicare Eligible Expense except as provided previously in this policy;

    (6) any deductible, Coinsurance or Co-payment not covered by Medicare, unless such coverage is listed as a benefit in this policy; or

    (7) Preexisting Conditions: We will not pay for any expenses incurred for care or treatment of a Preexisting Condition for the first six (6) months from the effective date of coverage. This exclusion does not apply if You applied for and were issued this policy under guaranteed issue status; if on the date of application for this policy You had at least six (6) months of prior Creditable Coverage; or, if this policy is replacing another Medicare Supplement policy and a six (6) month waiting period has already been satisfied. Evidence of prior coverage or replacement must have been disclosed on the application for this policy. If You had less than six (6) months prior Creditable Coverage, the Preexisting Conditions limitation will be reduced by the aggregate amount of Creditable Coverage. If this policy is replacing another Medicare Supplement policy, credit will be given for any portion of the waiting period that has been satisfied.

    Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna Healthcare website.

    Y0036_24_1037312_M | Page last updated 01/01/2024

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