Cigna Medicare Supplement Plan F
There are plenty of different insurance companies where you will be able to purchase the Medicare Supplement Plan F, however not every one of them will be a good option for you. One company can be a superior choice than the rest through the pricing or member benefits that follow their plans. We will show you what the Medicare Supplement Plan F from Cigna can execute as well as why it’s probably at least worth your consideration.
Plan F’s Full Coverage
The best thing about these Medicare Supplement plans is it doesn’t matter from where you get them or how much you spend in terms of how much these plans are going to cover. Thus, Plan F stays the same, no matter its price point as well as the company you opt to get it from. There’s no difference in the particular medical costs it’s going to cover.
Plan F is otherwise called the “full coverage plan” for the reason that it covers all of the supplemental costs. That will be all of the healthcare expenses that are covered by the other Supplement plans, plus a few more. It’s a combination of all the potential supplemental coverage in a single plan. That’s wonderful news for anybody who’s anxious that they failed to benefit from something simply because they didn’t pay much for their plan. If Cigna offers one of the cheapest prices, if not the cheapest, then you shouldn’t be worried that their coverage will be a disappointment simply because the price is cheap.
So, let’s have a look at what coverage is specifically offered by Plan F.
- Medicare Part A deductible
- Medicare Part B deductible
- Medicare Part A copayment
- Medicare Part B copayment
- Medicare Part B excess charges
- Medicare Part A coinsurance for hospice care
- Coinsurance costs for nursing services
- Maximum of three pints coverage for blood, which is renewable annually
- Emergency travel expenses abroad (for medical transportation outside of the United States of up to 80% every time it’s required and also up to $50,000 of lifetime benefits)
These coverage items are fully covered by the supplemental plan that you have so there’s nothing else that the Supplement plans can cover, considering that Plan F already provides the maximum coverage that’s allowed for every item. While you have probably noticed that we mentioned only 80% coverage for foreign travel exchange, that’s still counted as full coverage because that’s the maximum coverage allowable for such an item.
There may still be other medical costs that you have to pay after you’ve registered for Plan F. This plan is not going to cover vision, dental, hearing as well as most of your medication expenses. You will have to pay for them on your own or through some additional insurance that you have. You must understand that while Plan F is expansive and robust, it’s still limited as it only covers your Medicare supplemental costs.
Compare Medicare Supplement Plan G
Getting Plan F
Before you’ll be able to purchase Plan F, you’ll need to also have a basic Medicare plan, otherwise Original Medicare, which covers most of the expenses for Parts A and B. A Supplement plan, like Plan F, is going to cover the gaps that Original Medicare leaves you with. You’ll need to validate your Original Medicare before any Supplement plan will be able to take effect. The reason for that is because these Supplement plans, for instance Plan F, are intended to go with Original Medicare and they’re meant to give coverage for the items that Original Medicare doesn’t cover.
If you like to have Supplement Plan F from Cigna, then you’ll have to go directly through Cigna. Although it features the name Medicare, it actually is not selling this plan. None of the Supplement plans is. Medicare rather lets private insurance providers such as Cigna sell the Supplement plans they have, while overseeing the plans and making sure that all coverage regulations are adhered to. Medicare, however, doesn’t impose restrictions on pricing.
To obtain Cigna’s Plan F, you have to visit its website and fulfill the application form thereat or proceed to one of their locations. You’ll also be able to apply for a different plan there, if you prefer something other than Plan F. Cigna has a few different Supplement plans to offer, and you’d want to buy the one that’s most suitable for you. Don’t choose Plan F simply because it’s considered a very popular plan.
To get approval for Medicare Supplement Plan F, you will be required to have that plan for Original Medicare. You also have to be 65 years of age. There are some people who are eligible for Medicare even before reaching 65 but it’s because they’ve got qualifying healthcare conditions to allow that. You can speak with an insurance agent that handles Medicare or your personal insurance agent to know whether you may be eligible ahead of your 65th birthday. Or else you’ll have to wait until you’re 65. Then, if you submit an application within six months that you turned 65, you’ll be given guaranteed approval. The insurance provider will not be able to reject your application or charge you according to the pre-existing healthcare conditions that you have. This is great for seniors who are worried that their medical status could affect their rates as well as eligibility.
Compare Medicare Supplement Plan G
Matching Up to Save Money
You’ll be able to get Plan F from Cigna and have coverage for all types of common as well as uncommon medical costs, and that eventually will be a great deal for yourself. But, there are many Supplement plans and one of them may be a better option. We encourage you to check out several of those other plans and find out how they suit your particular requirements along with how each of them matches up with Plan F’s offer.
So, we’ve extensively covered Plan F already. You’re aware of the coverage it provides, and you perhaps know how suitable it is for you. This time, we’ll take a look at a couple of other plans which are somewhat similar.
An incredibly popular one is Plan G, and it offers high coverage as well. In fact, it practically includes every coverage item similar to Plan F, which we listed earlier, other than the deductible for Medicare Part B.
Another plan that also provides plenty of coverage is Plan N, although it’s a bit more affordable compared to Plan F and Plan G, but its coverage is also a little lower. This one is not going to cover the deductible for Part B either, nor is it going to cover the excess charges of Part B as well as the copayments for a number of hospital visits (which will only cost between $20 and $50 for every visit).
If you’re interested in Medicare Supplement Plan F from Cigna, then both of these plans are surely worth considering. Spend some time to compare these plans, and then find out if they fit your coverage requirements and finances, so you’ll be able to pick the plan that is most suitable for you.