Cigna Medigap Plan F
You may be paying for medical services from your budget and Medigap Plan F may help with those expenses. Medicare will only pay 80%of your medical services and you may find the remaining costs to those services can be enormous for your budget. When having a Cigna Medigap Plan F, you will have full coverage for those remaining costs and not have to worry how you are going to pay for them.
The expenses for your medical situation will depend on the type of coverage you already have. Everyone won’t have the same health conditions, so they may not need as much coverage as Cigna Plan F has. We are going to tell you about what Plan F has to offer and who may need it, how to sign up for it and how you should compare Plan F with other plans to give you the best coverage for your medical needs.
How Plan F Covers Medical Expenses
If you were to have this plan, you would not have to pay for Medicare Part A deductibles or Part B deductibles. These expenses would have to be your responsibility with just Medicare alone.
Plan F will take care of emergency medical transportation when you have to go out of the country. It will cover up to $50,000 expenses over your lifetime. Also covered would be three pints of blood and Medicare would take care of the rest. This will apply each year.
Plan F will cover hospice care coinsurance from Medicare Part A and nursing care coinsurance. It will also cover the cost of Medicare Part B excess charges.
When you consider all the coverage you will get with Plan F, there will be a lot less to come out of your pocket. You may still have to pay for dental, medication, vision expenses and hearing visits, but your hospital bills will be covered. If you find you wish to have more coverage than Plan F offers, you will be able to add on a Medicare Part D plan to cover your medications. Most seniors do have the Part D plan, as they may have many medications they would like to reduce payment for. Plan F has the most coverage of any of the plans, but there are a few that come close to the same coverage.
Compare Medicare Part F
How Plan F Compares
You really need to compare Plan F with the other Medigap plans. There are two other plans that have great coverage and are close to Plan F. Some people may not need the full amount of coverage that Plan F has.
Medigap Plan G will have the same coverage as Plan F except the Medicare Part B deductible will have to be paid by you. This amount would be $183 and once that is met, your plan will pay for you medical expenses. This affords you a good amount of coverage and once the deductible is only the amount you have to pay, Plan G will be less costly than Plan F.
Another great plan is Plan N. This too has high coverage, but you may have some small copayments when going to a physician. Plan N will not cover the Part B deductible or excess charges. It is a good idea to look carefully at these two plans and compare them with Plan F. They are comparable except for those few items and will cost you less in your monthly premiums. This may be a deciding factor in which plan will work best for you.
Who Cigna’s Plan F is For
Many seniors have signed up for Plan F and have been very happy with it. Because this plan has so much coverage, the rates keep increasing every year and may start costing more than a senior wants to pay. You need to examine all the plans and find the one that meets your health issues and has a reasonable cost for your budget. Looking carefully at the plans and seeing which is less costly, but still gives you the best coverage for you is very important.
Plan F many not suit all seniors. By looking at Cigna’s many Supplement plans, you may find one that is comparable to Plan F and has a better deal. Cigna has great customer service and is always ready to help answer any questions you may have.
Many other insurance companies sell the same plans. The plans are regulated by Medicare and cannot be changed. Not all insurance companies will offer all the plans, but the ones we discussed will most likely be ones they offer their clients. The difference between the insurance companies will be the price they charge for the plans. If you go to our web site, you will need to put in your zip code. The prices for Medigap plans are contingent on where you live. They are different from state to state. Your friend in another state will not pay the same price for the plan you are considering.
We think all seniors that have Plan F should examine their medical situation and what health needs they may need in the future. This way they can see if Plan F will meet those needs and not cost too much. Plan G or Plan N should also be a consideration and looking at the coverage they have may warrant you to change your plan and have you pay less monthly.
Many people find the increasing cost of Plan F is not something they wish to keep and Plan G or Plan N may fit their lives better. Comparing all the Medigap plans is worth the time spent in doing so. Even though Plan F has optimal coverage, you may decide to keep it for another year. You should know this plan is not available to seniors just signing up for a Medigap plan. Only seniors who have previously had this plan are allowed to renew it every year. Because of inflation and the fact there will not be any more people getting this plan, the cost can be daunting.
So compare and look at all the Cigna Medigap plan F and other plans so you can be assured of finding one that will fit well.