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Medicare Supplement Innovative Plan F


Medicare Supplement Innovative Plan F policies combine traditional Medicare Supplement Plan F benefits with additional coverage. This combination creates an even more comprehensive Medicare Supplement (Medigap) plan.

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However, like the traditional Medicare Supplement Medigap Plan F, new-to-Medicare enrollees are not eligible for this plan. Yet, those on Medicare before January 1, 2020, can still enroll in this unique policy if available in their area.  

Below, we review the ins and outs of Innovative Plan F to help determine if it is the best Medigap option for you.

What is Medicare Supplement Innovative Plan F?

Innovative Plan F is a newer Medicare Supplement Plan available in California, Kentucky, and Nevada through select carriers. This plan includes the benefits of the traditional Medicare Supplement Plan F plus hearing and vision benefits.

If you enroll in Medicare Supplement Innovative Plan F, you can visit the same doctors and hospitals as on the standard Plan F. You will still never need a referral to see a specialist.

Additionally, if you are not eligible for Medigap Innovative Plan F, California, Kentucky, and Nevada offer Innovative Plan G with similar benefits. The only difference in coverage is that you must pay the Medicare Part B deductible.

Blue Cross Blue Shield Innovative Plan F

Blue Cross Blue Shield was the first insurance carrier to offer Innovative Plan F in California, Kentucky, and Nevada. The carrier noticed the lack of vision and hearing coverage through Original Medicare (Part A and Part B) and traditional Medicare Supplement plans. BCBS then created a plan following the standardization guidelines with these additional benefits.

When you enroll in a Blue Cross Blue Shield Medigap Innovative Plan F, you may receive even more benefits. These benefits include:

  • Fitness club membership through SilverSneakers
  • Welcome Discount ($20 off your monthly premium for 12 months)
  • Additional discounts (household, autopay, etc.)
  • Option to add dental coverage at an additional fee

Medigap Innovative Plan F vs. Plan F

Coverage through Medicare Supplement Innovative Plan F vs. Plan F is very similar. Medigap Innovative Plan F covers everything traditional Plan F includes. Yet, Medicare Supplement Innovative Plan F adds a few extra benefits that may make it more appealing to some seniors.

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If you enroll in the traditional Medigap Plan F and want hearing or vision benefits, you must obtain an ancillary plan alongside your Medicare Supplement coverage. However, Medigap Innovative Plan F covers these benefits at no extra upfront cost beyond your monthly premium.

The comparison chart below shows a side-by-side comparison of Medigap Plan F vs. Innovative Plan F.

Benefits Traditional Plan F Innovative Plan F
Medicare Part A Deductible You Pay $0 You Pay $0
Medicare Part A Copayment/Coinsurance You Pay $0 You Pay $0
Medicare Part B Deductible You Pay $0 You Pay $0
Medicare Part B Excess Charges You Pay $0 You Pay $0
Foreign Travel Emergency Benefits  You Pay $0 You Pay $0
Vision Benefits N/A; You must obtain ancillary coverage $25 routine eye exam and $100 toward contacts or glasses every two years
Hearing Benefits N/A; You must obtain ancillary coverage $0 routine hearing exam annually and $750 toward hearing aids and fitting every 5 years (this can vary by provider)

How Much is Medicare Supplement Innovative Plan F vs. Plan F?

The average cost of Medigap Innovative Plan F is around $250-$400 per month, depending on your location. For example, Innovative Plan F prices in California tend to be slightly higher than in Kentucky.

Remember that Medigap Plan F options have always been the most expensive compared to other Medicare Supplement plans. Medigap Innovative Plan F is equal in comparison but can tend to be a little higher than traditional Medicare Supplement Plan F.

What is the Difference Between Medigap Innovative Plan F and Medicare Advantage Vision and Hearing Benefits?

Medicare Supplement Innovative Plan F and Medicare Advantage plans offer ancillary benefits in addition to inpatient and outpatient health benefits. Thus, these options may seem very similar.

So, which is the better option? The answer depends on your needs. When comparing a Medicare Advantage plan to Medigap Innovative Plan F, it is crucial to compare networks, out-of-pocket expenses, and premium costs.

Often, the out-of-pocket maximum of a Medicare Advantage plan may be higher than what you would pay annually with Medigap Innovative Plan F. Additionally, Medicare Advantage doctor networks are often limited, while over 90% of doctors nationwide accept Original Medicare and Medicare Supplement plans.

Most states do not offer a Medigap Innovative Plan F option, but the above applies while comparing Medicare Advantage to any Medicare Supplement plan. Weighing your plan options is essential when enrolling in any form of Medicare coverage.

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How to Enroll in Medicare Supplement Innovative Plan F

If you are ready to enroll in a Medicare Supplement plan or want to compare coverage in your area, we are here to help. Reviewing your options is essential to ensure you receive the best coverage for your budget and healthcare needs.

Here at MedicareFAQ, our licensed Medicare insurance agents are happy to help you find the right policy. Give us a call or complete our online rate form to see your side-by-side plan comparison today!

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Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

3 thoughts on “Medicare Supplement Innovative Plan F

  1. Hi. I have read about the Innovative F Plan. My mom currently has the Plan F through HealthNet. I called about 8 numbers at HealthNet and Medicare Insurance Agents to get info about signing up. No one could help me with it. They either never heard of it, or heard of it, but knew nothing about signing up for it. Do you have any idea who I van speak wot about this? Thank you!

    1. Hi Michele! Not all companies over this plan. It sounds like HealthNet doesn’t offer it. You may have to call an agent that works with multiple carriers to find one that will offer the plan in your area.

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