Cigna Medicare Supplement Plan F
In the insurance market, there are plenty of medical insurance companies that sell Cigna Medicare Supplement Plan F. As Medicare doesn’t sell the plan directly to the customers, you will have to contact any one of them to purchase this plan. Not all of these companies offer a good deal for you, as some are good at the price but poor at customer services. Cigna is one of those medical insurance providers that are senior-focused and offers many member benefits apart from basic medical coverage for the plan.
Full Coverage of Plan F
Medicare Supplement Plan F is the only plan that offers full coverage and it doesn’t matter from which company you purchase this plan from, you will get the same coverage either you purchase it from Aetna, Cigna, or any not so popular insurance company. The coverage is decided by Medicare itself and that the reason it remains the same for every company. However, you will differ in rate of Supplement Plan F because Medicare has given the freedom to the insurance companies to set the price of their choice.
Plan F is famous as the “full coverage plan” amongst the seniors and is a perfect choice if you need a lot of coverage for your healthcare needs. This plan fills the coverage gap, that is left by the Original Medicare plan for the supplemental expenses. You can enjoy the benefits from one single plan rather than purchasing many to get your expenses covered. It is a life-saver for all those who are worried about paying from their pocket for the medical expenses that are not covered in the plan which they choose just because it was affordable.
Not all companies will make your pocket empty to purchase this plan, as you might find some great deals in the market. The rates and services offered by Cigna will let you save a lot of money and you won’t regret your decision once you start getting the coverage from it.
Let have a look at the supplemental expenses that are covered by Plan F:
- Deductible for Medicare Part A
- Deductible for Medicare Part B
- Copayment for Medicare Part A
- Copayment for Medicare Part B
- Excess charges for Medicare Part B
- Hospice care coinsurance for Medicare Part A
- Skilled nursing services coinsurance costs
- As much as three pints of blood coverage, which is renewed every year
- Foreign emergency travel costs
With the coverage for the above-mentioned supplemental expenses, there will hardly any expense left for which you have to pay from your own pocket. There is no expense that is not covered by the full-coverage plan, “Plan F”. Getting coverage for foreign travel exchange costs is one of the biggest benefits because you get 80% of the expense covered in Plan F, which is somewhat considered as fully covered.
There are some minor expenses, which are not covered by Plan F and those are hearing vision, and dental costs. You need to purchase another plan to get these items covered. However, the most expensive Supplement Plan F is robust and protects you for the supplemental expenses only.
Purchasing Plan F
There are some requirements that need to be fulfilled before you purchase Plan F. The first thing to be considered is that you should own a basic Medicare plan specifically known as Original Medicare. The Original Medicare plan covers most of the expenses of Part A and Part B of Medicare. The remaining coverage gaps are filled by the Supplement Plan F.
To make you Supplement Plan F effective, you need to activate your Original Medicare plan first. Both these plan work in collaboration and the Supplement plans are designed to provide coverage for the items that are not covered by the basic Medicare plan.
If you want to purchase the Supplement Plan F from Cigna, then you have contact Cigna for it. Although, the Supplement plans are products of Medicare but you cannot purchase it from Medicare directly. There are a lot of private insurance companies that are authorized by Medicare to sell these plans. However, Medicare keeps a vigilant eye on the companies that they follow the coverage rules properly.
Purchasing Plan F from Cigna is very easy. You just need to visit their website and fill the application form with the required details or visit any Cigna office that is nearest to you. While visiting the office, if you change your mind and decide to purchase any other plan, then you may go ahead as there is no restriction before making the final purchase. There are many other plans that may be more affordable to you and will cover the maximum of your healthcare expenses.
Eligibility for Plan F
To purchase Plan F, you need to meet the eligibility criteria first. This includes:
- You need to be of 65 years of age or above. There is a 6 months’ enrollment window which starts 3 months before the 65th birthday and ends after 3 months of 65th If in case you miss your enrollment period, you can sign up during the general open enrollment period that starts from 15th October till 7th December.
- You must have an Original Medicare plan, which is also called a basic Medicare plan
- You have to be a permanent US citizen
Comparison
After purchasing the Plan F from Cigna, you will get coverage for all types of common and uncommon supplemental expenses, which will eventually offer a good deal for you. Although, there is some more plan that could be a better choice as compared to Plan F but this plan gives you full coverage that no other plan offers. We would suggest you make a comparison before making a final selection.
As we have already discussed Medicare Supplement Plan F in detail and now you know well that what it covers for you. Now we will tell you little about other Supplement plans that can be a good alternate for Plan F.
Plan G – this is one of the top-picks by seniors as it covers almost the same expenses as Plan F and is cheaper in rate comparatively. The only difference between these plans is the coverage for Medicare Part deductible, which is not offered by Plan G
Plan N – another famous and widely subscribed plan with lots of supplemental expenses covered. It is slightly cheaper than the above two plans as it doesn’t cover all those items that are covered by Plan F. By purchasing this plan, you have to pay the Medicare Part B annual deductible, excess charges of Part B and copayments, which will cost you around ($20 – $50 per visit)
