Medicare Supplement Plan F
The Medicare Supplement Plan F policy helps pay your Medicare deductibles, coinsurance, and copayments. Most notably, Plan F covers the Medicare Part B calendar year deductible, which most other plans do not. This plan has the most coverage and the lowest out-of-pocket costs for Medicare-covered services. 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 disability before January 1, 2020.
Find out what your monthly premium would be with Cigna's* competitive rates.
Mon - Fri 8:30am - 8:30pm ET
*Insured by Cigna Health and Life Insurance Company, American Retirement Life Insurance Company, or Loyal American Life Insurance Company
| Medicare (Part A) Hospital Services - Per benefit period‡ | |||
|---|---|---|---|
|
Hospitalization‡ Semiprivate room and board, general nursing, and miscellaneous services and supplies |
|||
| Services | Medicare Pays | Plan F Pays | You Pay |
| First 60 days | All but $1,364 | $1,364 (Part A deductible) | $0 |
| 61st through 90th day | All but $341 per day | $341 per day | $0 |
|
91st day and after:
|
|||
|
|
|
|
|
|
|
|
|
|
|
|
|
Skilled nursing facility care‡ Must have been in a hospital for at least three 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 $170.50 per day | Up to $170.50 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 three pints (Per calendar year) | $0 | 3 pints | $0 |
| Additional amounts | 100% | $0 | $0 |
‡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.
‡‡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.
|
Medicare (Part B) Medical Services - Per Calendar Year *Once you have been billed $185 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the 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. |
||||||||||||
|
||||||||||||
|
Part B Excess Charges A doctor may charge an amount for services that exceeds what Medicare covers. The charge amount that exceeds Medicare coverage is called an excess charge. Medicare limits the extra amount a doctor can charge to 15%. |
|||
| 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 $185 of Medicare-approved amounts* | $0 | $185 (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) | ||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Home Health Care Medicare-Approved Services |
||||||||||||||||||||||||
|
||||||||||||||||||||||||
|
Other Benefits Not Covered by Medicare | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Foreign Travel Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA |
||||||||||||
|
||||||||||||
Rates for Medicare Supplement Plan F
While the basic 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 discount† may be available for qualified applicants.
†State variations apply. The Household Discount is not available in CA, D.C., FL, HI, ID, MN, NJ and VT. For residents of WA, the discount only applies to spouses (Spousal Premium Discount).
Additional Programs and Savings Offered by Cigna
A Cigna Medicare Supplement Insurance plan includes the following programs and savings†† at no additional cost to you.
- Health Information Line. Call toll-free to talk with a trained nurse for guidance and support, 24 hours a day.
- Cigna Healthy Rewards®. Enjoy discounts on health and wellness services like Jenny Craig, vision and hearing care, fitness and weight management, massage, chiropractic care, acupuncture and more.
††These programs and services are NOT insurance and do not provide reimbursement for financial losses. Program availability may vary by location and is subject to change. 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.
Find out what your monthly premium would be with Cigna's competitive rates.
Mon - Fri 8:30am - 8:30pm ET
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: Colorado, California, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Montana, New Hampshire, Oregon, Pennsylvania, South Dakota, Tennessee, Vermont and Wisconsin.