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This plan offers the most coverage and the lowest out-of-pocket costs for Medicare-covered services. Most notably, Plan F pays the Medicare Part B (Medical) calendar year deductible, which most other standardized plans do not.
Plan F is only available if you first became eligible for Medicare before January 1, 2020 (which means your 65th birthday occurred before January 1, 2020). Or you qualified for Medicare due to a disability before January 1, 2020.
Review the chart below for all the details of Plan F coverage or explore other Medicare Supplement plans.
Medicare (Part A) Hospital Services–What Plan F Pays (Per Benefit Period2)
| Services | Medicare Pays | Plan F Pays | You Pay |
|---|---|---|---|
| First 60 days | All but $1,484 | $1,484 (Part A deductible) | $0 |
| 61st through 90th day | All but $371 per day | $371 per day | $0 |
| 91st day and after: | |||
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| Services | Medicare Pays | Plan F Pays | You Pay |
|---|---|---|---|
| First 20 days | All approved amounts | $0 | $0 |
| 21st through 100th day | All but $185.50 per day | Up to $185.50 per day | $0 |
| 101st day and after | $0 | $0 | All costs |
| 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 |
| 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)
| Services | Medicare Pays | Plan F Pays | You Pay |
|---|---|---|---|
| First $203 of Medicare-approved amounts4 | $0 | $203 (Part B deductible) | $0 |
| Remainder of Medicare-approved amounts | Generally 80% | Generally 20% | $0 |
| Services | Medicare Pays | Plan F Pays | You Pay |
|---|---|---|---|
| Excess charges | $0 | 100% | $0 |
| Services | Medicare Pays | Plan F Pays | You Pay |
|---|---|---|---|
| First 3 pints | $0 | All costs | $0 |
| Next $203 of Medicare-approved amounts4 | $0 | $203 (Part B deductible) | $0 |
| Remainder of Medicare-approved amounts | 80% | 20% | $0 |
| Services | Medicare Pays | Plan F Pays | You Pay |
|---|---|---|---|
| Tests for diagnostic services | 100% | $0 | $0 |
Medicare (Parts A and B)–What Plan F Pays
| Services | Medicare Pays | Plan F Pays | You Pay |
|---|---|---|---|
| Medically necessary skilled care services and medical supplies | 100% | $0 | $0 |
| Services | Medicare Pays | Plan F Pays | You Pay |
|---|---|---|---|
| First $203 of Medicare-approved amounts4 | $0 | $203 (Part B deductible) | $0 |
| Remainder of Medicare-approved amounts | 80% | 20% | $0 |
Other Benefits Not Covered by Medicare–What Plan F Pays
| 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 offers competitive rates and, in some states, a 7% household premium discount5 may be available for qualified applicants.
Get a Free Online Quote
Find out what your monthly premium would be with Cigna's competitive rates.
Apply online and you could save 5% on your premium.
Programs and Services6
Healthy Rewards Program
Get discounts on health and wellness programs and services.
Health Information Line
Speak with a health advocate8 anytime 24 hours a day, 7 days a week.
Other Medicare Supplement Plans
Medicare Supplement Plan G
Ideal for customers looking for the most coverage, and a lower premium.
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, with a lower monthly premium. Coverage kicks in after you pay the calendar year deductible.7
View state disclosures, exclusions, and limitations
1 Insured by Cigna Health and Life Insurance Company, American Retirement Life Insurance Company,Loyal American Life Insurance Company, or Cigna National Health Insurance Company. In Kansas, Medicare Supplement insurance policies are insured by Cigna Health and Life Insurance Company. American Retirement Life Insurance Company, Loyal American Life Insurance Company, and Cigna National Health Insurance Company plans are not available to residents of Kansas.
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 $203 of Medicare-approved amounts for covered services, your Part B deductible will have been met for the calendar year.
5 State variations apply. The Household Discount is not available in HI, ID, MN, and VT. For residents of WA, the discount only applies to spouses (Spousal Premium Discount).
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 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.
8 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.
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: CHLIC-MS-AA-A-TN; Plan F: CHLIC-MS-AA-F-TN; Plan High Deductible F (HDF): CHLIC-MS-AA-HDF-TN; Plan G: CHLIC-MS-AA-G-TN; and Plan N: CHLIC-MS-AA-N-TN