Compare Innovative Plan F Extra: Anthem vs HealthNet vs Blue Shield

Medigap Innovative Plan F and Plan F Extra now cover vision and hearing benefits. Find out if they are for you.

by Lisandro Bustos+ on Nov 19, 2018

The 3 new Medicare Supplement (Medigap) plans in California that now cover vision and hearing aids call for a well-rounded comparison from Senior65.com.

Anthem Blue Cross Innovative F was the first plan to cover vision and hearing aids, being caught fast by the slightly different HealthNet’s Innovative Plan F. Blue Shield then offered its own version of this plan calling it Blue Shield Plan F Extra.

These plans have the same exact network of doctors and standard benefits of a traditional Plan F but also include the additional extra benefits outlined below.  Each plan is slightly different so it’s worth comparing them. Senior65 is appointed to sell all three of these plans at the guaranteed lowest price, so please contact us when you are ready to enroll.

Chart Comparison of all three plans

Benefits HealthNet
Innovative F
Anthem Blue-Cross
Innovative F
Blue Shield
F Extra
Standard Plan F Benefits Yes Yes Yes
Access to Medicare’s largest network of doctors Yes Yes Yes
Vision
Routine Eye Exam (every 12 months) You pay $10 You pay $25* You pay $20
Glass Frames (every 24 months) $250 Allowance $100 Allowance* $100 Allowance
Glass Lenses (every 12 months) $250 Allowance You pay $25* You pay $25
Contacts (every 12 months) $250 Allowance $100 Allowance* You pay $0
Hearing
Hearing Exam (every 12 months) You pay $0 You pay $0 You pay $0
Hearing Aids $1000 Allowance (every three years) $750 Allowance (every 12 months) $499-$799 discount on Vista Models (every 12 months)
Other Benefits
Silver Sneakers No Yes Yes
New to Medicare Discount Yes Yes Yes
Household Discount Yes Yes Yes
Autopay Discount Yes Yes Yes
Learn more about HealthNet Innovative Plan F Learn more about Anthem Blue Cross Innovative Plan F Learn more about Blue Shield Plan F Extra
Quote and Apply Quote and Apply Quote and Apply

*Only Blue View Vision Access network


To sum it all up:

  • HealthNet’s Innovative F has the most generous initial hearing and vision benefits of the three plans but does not cover Silver Sneakers.

  • Anthem Blue Cross’ Innovative F has slightly less coverage in the vision and hearing department but has Silver Sneakers and a surprising hearing aid coverage every year.

  • Blue Shield’s F Extra also has a fine vision coverage and Silver Sneakers but only limits you to one company to choose from when it comes to Hearing Benefits.


Next Steps:

Now that you know the difference between the three enhanced F plans,  it’s time to get a quote and enroll.  You can get an Innovative Plan F extra quote here or you can call us and a Senior65 licensed agent can help you over the phone at no cost to you.

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