Medicare Supplement
Plan F Insurance Coverage

The Medicare Supplement policy that provides the most coverage and no out-of-pocket costs for Medicare covered services.


Get a Free Online Quote

Find out what your monthly premium would be with Cigna's1 competitive rates.

Get an online quote

Apply online and you could save 5% on your premium.


Or call:

1 (855) 891-9368

Mon-Fri, 8:30 am-8:30 pm, ET

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:      
  • while using 60 lifetime reserve days
  • All but $742 per day
  • $742 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
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.

Get an online quote

Apply online and you could save 5% on your premium.


Or call:

1 (855) 891-9363

Mon-Fri, 8:30 am-8:30 pm, ET

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

Compare Medicare Supplement Plans

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