Health Net’s Innovative F Medigap plan

New Innovative Plan F Offers Hearing and Vision

by Katie Banks+ on Nov 12, 2019 | 6 Comments

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Health Net of California announced today that they will be offering hearing and vision benefits as part of their new Innovative Plan F Medicare Supplement (Medigap) Plan.  Taking a page out of Anthem’s wildly popular Innovative F launched last year, Health Net has followed suit with their version of an Innovative F. 

Health Net’s plan F includes all the benefits of a traditional Plan F but also includes the following benefits that are not covered by Medicare or other Medigap plans. As of July 1, 2020, a standardized plan and an Innovative plan are considered equal in benefits. This means if you have a standard F you can switch to Innovative F or F extra during the California Birthday Rule.

This article was updated on November 12, 2019 to reflect new information.

Get an Innovative F Medigap Quote

  • ROUTINE EYE EXAM (Every 12 Months)
  • Plan pays 100% after $10 copayment

  • GLASSES (Every 24 Months)
  • Plan pays up to $250 allowance for frame and lens package

  • CONTACTS (Every 12 Months)
  • Plan pays up to $250 allowance

  • HEARING EXAM (one every 12 Months)

  • Hearing aid cost shares are based on technology level:
      Level 1 – $0
      Level 2 – $700
      Level 3 – $1,125
      Level 4 – $1,580

  • Exercise and healthy aging program which provides either a no-cost membership at a local participating Silver&Fit fitness facility, or membership in the Silver&Fit Home Fitness Program for members who are unable to participate in a fitness facility or prefer to work out at home.

What makes this Medigap plan Innovative?

Innovative Plan F offers the same benefits as Plan F with the addition of routine eye exams, eyewear, hearing exams and hearing aids. These additional benefits are not covered by Medicare or a standard Medicare Supplement Plan.

If you are interested in enrolling in Health Net’s Innovative F, please get an instant Innovative F quote here or contact Senior65 to learn more and enroll over the phone.

You can also Compare Anthem Blue Cross Innovative F vs Health Net Innovative F vs Blue Shield F Extra or compare Medigap Innovative G and G Extra. Innovative G is now offering chiropractic/acupuncture coverage.

Learn More about Medigap Get a Medigap QuoteApply for Medigap


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Reader Comments and Questions

By Judith on September 11, 2019

Can I move from Plan G to Plan F under the birthday rule without underwriting?

The CA birthday rule only allows you to move to an equal or lessor benefits plan. Since Plan F covers the Part B deductible it is considered to offer more benefits than G, so you can switch from G to F without health review.

Seriously, please give us a call here at and we can help you to understand your options and get you on the right plan. We are very good at what we do and we charge nothing for our services.
-Chris from

By Sue on August 08, 2019

Is Innovative F going away soon, just as plan F is?

As we always say, Plan F is NOT going away. Anyone who is Medicare eligible before 2020 can enroll in Plan F and keep it for as long as they would like. The same goes for Innovative F. Those who turn 65 AFTER 2020 will not be able to purchase Innovative F.
Check our article on Plan F 2020 Rules to learn more.

Give us a call if you are looking to enroll. We charge nothing for our services.
-Michelle from

By Carl on July 10, 2019

I see Silver Sneakers is not part of this plan. Is there any type of exercise/gym membership benefit with this plan?

Unfortunately, not with this plan. We recommend you look into Blue Shield F Extra, which has approximately the same benefits as Healthnet Innovative F and offers Silver Sneakers. You can also compare them here.

We can help you enroll and charge nothing for our services. Give us a call when you're ready.
-Michelle from

By Leah on March 18, 2019

I live in the 94523 are code, is your Healthnet plan avaliable?

It definitely is! We would love to help you enroll so please give us a call at 1-800-930-7956.

-Michelle from

By Manny on January 23, 2019

Do I have to fill out a new application and be subject to underwriting? I am now a member using regular Plan F. If the new application is rejected, will my insurance be cancelled or continue under the old Plan F?

Yes, you will have to complete a new application to move from Plan F to Innovative F. No, your old plan cannot be canceled if you are not approved on the new plan.

Please Note: HealthNet may allow you to move from F to their Innovative F without underwriting if you live in California as part of the birthday rule. Please give us a call and we can assist you with the application right over the phone.
-Chris from

By Gabriel on October 16, 2018

Which is the best plan? Innovative F from Anthem, Innovative F from HealthNet or F extra from Blue Shield??

Thanks for contacting us. Yes Blue Shield, Healthnet and Anthem all now offer Plan F coverage that includes some vision and hearing coverage in California. All are very similar so the one with the best price may be the best. You can get a quote here
-Michelle from

PLEASE NOTE: We cannot comment on specific Medicare claims. Contact Medicare directly if you are trying to see if your issue is covered.

We will not publish your last name or email if you submit this form.

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