Anthem Blue Cross Innovative Plan F Medigap

Anthem Blue Cross now offers Medigap plan F with vision and hearing benefits

by Senior 65+ on Jan 17, 2018 | 25 Comments

Anthem Blue Cross Innovative Medigap Plan F Overview

Innovative F Medigap is a new Medicare Supplement plan offered by Anthem Blue Cross in California and Nevada starting Jan 1, 2018. (Kentucky added Innovative F in Feb). It covers all the benefits offered by traditional Medigap plan F with the exact same network of doctors but now it includes new vision and hearing benefits.  The most noteworthy addition to Innovative F is a $750 hearing aid benefit.

This article was updated on January 17, 2018 with new information.

Quote and Apply for Innovative Plan F 

Innovative F Vision Details

Anthem has added Vision using the Blue View Vision Access network. You may receive covered benefits outside of the Blue View Vision Access network but you may pay more.  Here is what is covered:

  • Routine Eye Exam (with dilation as needed) once every 12 months. You pay $25 for this benefit.
  • $100 Eyeglass Frames Allowance toward new frames once every 24 months. You pay any cost over $100.
  • Lenses: (once every 12 months). You pay a $25 copay.
  • $100 allowance for Contact Lenses (in place of eyeglass lenses) once every 12 months. You pay all costs over $100.

Innovative F Hearing Details

Offered through Anthem’s Hearing Care Solutions network of providers, this coverage provides an annual hearing exam and hearing aid(s). This includes a 60-day evaluation period for hearing aids.  Here is a snapshot of what is covered under hearing benefits:

  • Hearing Exam – Coverage for one routine hearing exam every 12 months.
  • $750 allowance towards Hearing Aids – Includes fitting evaluation for a hearing aid(s).

Innovative F Other benefits

  • Silver Sneakers Gym Program
  • Welcome to Medicare Discount (New to Medicare get $20 off each month for first year)
  • 24 Nurseline
  • Rate Lock (On Jan 1, 2018 Anthem said rates wont change before March 2019)
  • Household discount for spouse/partner
  • Autopay discount
  • Optional Dental

Click here to get a quote and apply for Innovative plan F

Innovative F Medigap Complete Benefit Details

Benefits Original Medicare Alone Original Medicare With Innovative Plan F
Doctor Network All Doctors that accept Medicare All Doctors that accept Medicare
Part A Hospital Benefit Period Deductible You pay $1,340* You pay $0
Hospital days 61-90 You pay $335 per day per day You pay $0
Hospital Days 91-150 You pay $670 per day per day (lifetime reserve days) You pay $0
Beyond Lifetime Reserve Days You pay 100% You pay $0 up to an additional 365 hospitalization days.
Skilled Nursing Facility Care Days 1-20 You pay $0 (Part A deductible applies)** You pay $0
Skilled Nursing Facility Care Days 21-100 You pay $167.50 per day You pay $0
Hospice Respite Care You pay 5% You pay $0
First 3 Pints of Blood You pay 100% You pay $0
Additional Blood You pay $0 You pay $0
Part B Annual Deductible You pay $183 You pay $0
Ambulance You pay 20% (Part B deductible applies) You pay $0
Doctor’s Office Copays/Coinsurance You pay 20% (Part B deductible applies) You pay $0
Durable Medical Equipment You pay 20% (Part B deductible applies) You pay $0
Part B Excess Charges You pay 100% (Part B deductible applies) You pay $0
Foreign Travel Emergency You pay 100% You pay 20%***
Out-Patient Surgery You pay 20% (Part B deductible applies) You pay $0
Urgent Care You pay 20% (Part B deductible applies) You pay $0
Routine Eye Exam You pay 100% You pay $25
Eyeglass Frames You pay 100% You GET $100 towards frames every 2 years
Contact Lenses You pay 100% You GET $100 towards lenses
Yearly Hearing Exam You pay 100% You pay $0
Hearing Aids and fitting You pay 100% You GET $750


Next Steps for Anthem Blue Cross Innovative F Medigap

Click here for you Anthem Blue Cross Innovative F quote
Compare Anthem Blue Cross Innovative F vs HealthNet Innovative F vs Blue Shield F Extra

The fine print of the Innovative Medigap Plan F Chart Above

*Medicare Part A deductible is broken down into 60 day benefit periods. Those without this plan will have to pay the Part A deductible again if you reenter the hospital after 60 days from discharge. .
**For Skilled Nursing you must have a 3-day qualifying stay in the hospital to qualify for Skilled Nursing Facility care AND those without this plan will still pay the benefit period Part A deductible ($1,340).
***Foreign Travel Emergency requires a deductible of $250. This plan covers the first 60 days of travel and has a lifetime coverage amount of $50,000.
Print Friendly Version

Reader Comments and Questions

(Click here to leave a comment)

By janet on November 11, 2018

I was told there are three medicare supplement plans that cover hearing aids. Do you know what they are? Thank you.
Janet

Janet,
We can help you enroll in any of the three plans in California that have benefits that cover some of the costs of hearing aids.
1) Anthem Innovative Plan F
2) Blue Shield Plan F Extra
3) Health Net Innovative F

We have created this article to help you compare exactly how each Innovative F extra plan helps cover the cost of hearing aids and more
-Eric from Senior65.com


By Melissa on November 07, 2018

My husband and I both have Anthem Blue Cross Plan F in California. I am 69, he is 67 and he is in his birthday month. What are the advantages or disadvantages of switching to Plan F plus. What are the limitations and the pricing of the Plan F plus. ? Thanks

Melissa,
Innovative Plan F offers the exact same medical benefits as Standard Plan F. The plan also includes vision and hearing benefits as outlined in this article. That is the only difference. Amazingly, it is often less expensive that Standard F

Switching to Innovative F would require that you fill out a health questionnaire even if you did so in your Birthday month. The California birthday rule doesn't apply when going from Standard F to Innovative F. Please give us a call so we can get you pricing information and help you apply right over the phone.
-Eric from Senior65.com


By Margaret on November 04, 2018

I am confused about a health history question I was asked over the phone when applying for anthem blue cross innovative F. I responded no to a question regarding implants as a result of disease. However I had a total knee replacement about a year and a half ago for arthritis. Is that a disease? And if I should have answered yes how do I correct this.

Margaret,
We don't discuss how to answer specific health question for applications online. If you worked with an Senior65 agent when you first filled out the application, however, we can help clarify the situation and update your application if need be. If you worked with a different agent you would want to direct your question to her/him.
-Eric at Senior65.com


By margaret on October 26, 2018

i am a nevada resident who is being offered Innovative F plan from Anthem BCBS. Does the California birthday rule apply to me in nevada, or is there a possibility I could be trapped in plan I can't switch out of if rates increase too high.?

Margaret,
The California Birthday rule does not apply to plans purchased in Nevada. Switching any plan in NV may require a medical review if you got qualify for special enrollment. We can help you enroll in your new plan or help you navigate switching. Please call us at 800-930-7956.
-Michelle from Senior65.com


By Don on August 12, 2018

I will be going on Innovative F in October. I first received a new Anthem card saying "Innovative F" and subsequently received another saying "Select Innovative F". Previously was on Anthem F and Anthem Premium Plus Dental and Vision. What is the Select designation. Could it mean dental coverage or do I still need an additional dental plan?

Don,
We haven't seen that one before but it is worth fixing/clarifying. If we are your agent on your Anthem Innovative F, please email us at request at Senior65 or call us at 800-930-7956. We will work on your behalf to get this thing resolved.

If you didn't enroll with us, please contact your agent to see what is going on.
-Chris from Senior65.com


By Karen on July 14, 2018

Can someone who already has Plan "F" switch over to this new Innovative Plan "F"? My re-enrollment will be in December of this year.

If you wanted to switch from Medigap F to Innovative F you would have to apply over the phone. You do not have to wait until the anniversary date of your enrollment. You can switch at any time. Please give us a call and we can assist. 800-930-7956.


By Bob on June 18, 2018

Given Anthem Innovative F is new (KY)and has no price increase history, would it be more prudent to go with a G plan? Thanks

Bob,
Great question. For those living in California, the answer is easy since they have the birthday rule which makes changing plans easy. They should start with the Innovative F and if prices increase, switch to G.
In Kentucky, you don't have special rules guaranteeing you the right to switch plans after the first 6 months. Since we don't have a history of rate increases, it would be prudent to seriously compare what you get with innovative F and compare that with G. We can help with this process. Give us a call at 800-930-7956 and we will help you run a detailed analysis.
Chris from Senior65.com


By Zahira Olga on June 09, 2018

I am interested to know about the dental part before I accept. thank you!

Zahira
Thanks for contacting us. Anthem offers 3 different dental plans that you can purchase during (or after) the application process. These are the same dental that Anthem offers with all their Medicare Supplemental plans. Give us a call and we can go over costs and benefits and help you figure out which one is right for you.
-Amy from Senior65.com


By Lauren on June 04, 2018

What are the advantages of using a broker to get a medicare supplement plan, as opposed to simply going to the desired company website and applying for a policy? thanks

Lauren,
We have listed a few reasons why you would want to work with an agent..
A few additional things to consider: we never charge a fee a we can guarantee you the lowest price allowed by law.
Plus since we are independent, we will help you shop all the best plans and select the right plan for you. After you enroll in a plan, our service does not stop. We can serve as your authorized agent to help you with any issues you have with your plan/coverage moving forward. Bottom line: Working with an agent adds a knowledgeable independently motivated member to your team at no cost. We hope you consider working with Senior65!
-Michelle from Senior65.com


By Michael on May 17, 2018

If I have guaranteed issue due to loss of an employer Medicare Supplement, is Innovative Plan F guaranteed issue or do I have underwriting?

Michael,
Thanks for contacting us. Your Innovative F should be guaranteed issued under your circumstances. Give us a call at 800-930-7956 and we can help you enroll at the guaranteed lowest price by law.
Regards,
-Chris at Senior65.com


By Kathleen on May 11, 2018

Plan F Innovative appears to be Plan F with hearing and vision benefits added...but it has a lower premium structure. What am I missing?

Kathleen,
You are not missing anything! You are correct in your assessment and Anthem is currently pricing Innovative F for less than their original plan F in California. They are trying to grow market share for this plan. If you live in CA, you could start with Innovative F and if the price were to increased in the future, you could always switch by using the CA Birthday rule.
Please contact us and we can enroll you in a Innovative F plan if that is the best plan for you.
-Michelle from Senior65.com


By Lynn on March 16, 2018

Hi, I’m turning 65 soon and like so many confused. I was going with Anthem Advantage PPO coverage but then looked at Plan F. It’s only about $25 more a month but almost no out of pocket! Seems too good to be true. Is there a catch? Once in, could they double the cost the following year? Can you switch from Plan F to Advantage(MA) and back? Cost isn’t the only factor but rather service - getting prompt care without fighting for approval with insurance companies.

Lynn,
Thanks for your questions.
1) While Innovative plan F (and all Medigap plans) could increase prices in the future they could not double them. Increases have to be approve by your state's insurance commission. The industry average is about 3% increase per year.
2) If you wanted to switch from a Medigap plan to an MA during Annual Election Period (Oct 15-Dec 7). If you leave Medigap you could return but depending on how long it has been, you might have to answer medical questions before approval.
3) If you live in CA, you can move from one Medigap plan to another without reapplying if you do so under the CA birthday rule
Hope that helps
-Chris from Senior65


By Edna on February 28, 2018

In 2020, when Plan F will be eliminated EXCEPT for those already enrolled in Plan F, will the same rules apply to Innovative Plan F?

Edna,
Those who are already on Innovative F will be allowed to stay on them after 2020.
-Michelle from Senior65.com


By Linda on January 12, 2018

Hi. My husband retired from Martin Marietta (now Lockheed Martin). I will be turning 65 in March. One Exchange now handles these retiree medical benefits. Whom do I call to see what my spousal benefit for health insurance will be? Must I call Lockheed Benefits Department or do I speak with you? I called One Exchange last fall but the customer service department didn't have any answers for me.

Thank you for your time/help with this matter.
Linda

Linda,
You will want to contact Lockheed Benefits Department to confirm benefits. While you can work directly with One Exchange, often times we can offer more options (like Innovative F!) which may save you money. Once you find out how your benefits work, give us a call and we can discuss your options
-Michelle at Senior65.com


By Darleen on January 03, 2018

Where is the list of in network providers for the innovative plan F vision benefits?

Darleen,
Thanks for contacting us. Anthem is using their Blue View Vision network for their vision benefit. I don't know if there is anywhere to look this up online. Give us a call and we can look up vision locations for you.

BTW: There is not a special network for medical benefits. Any doctor that accepts Medicare will accept Anthem Innovative F Medigap.

-Eric from Senior65.com


By Tony on December 07, 2017

I have been told by Anthem that if one has Anthem Senior Classic F, they are not eligible to change to Anthem Innovative F during the Open Enrollment Period or through the birthday rule without underwriting? Is this true?

Tony,
Anthem has confirmed with us that those on classic F that want to switch to innovative F will have to apply for the new plan. You will have to answer health questions before being approved on the new plan.

If you are under initial enrollment, however, you will be automatically approved on the new plan without answering medical questions.
-Chris from Senior65.com


By Roy on December 06, 2017

It's hard to believe they will offer more for less money without there being some catch. What are the disadvantages of switching from the current plan F to the Innovative plan F? Can I still see any Dr that accepts medicare and is there any lifetime or yearly limits to what they pay?

Roy,
Innovative F has the exact same doctor network as traditional F with the same medical benefits. The only difference between the two is they include vision and hearing benefits with Innovative F.

Based on our research as independent agents we see no "catch." We believe that is Innovative F is priced less than traditional F in most counties based on Anthem's goal to build marketshare for this new product.

The good news is ...if the price does start to go up over time, you can always switch to a competitors plan since you have the CA birthday rule for Medigap in your state. Hope that helps
-Michelle from Senior65.com


By Carol Levy on December 02, 2017

I have a PPO supplement (Blue Shield). Is Innovative Medigap F a PPO plan and can I choose my same doctors and hospitals?

Carol,
The Anthem Innovative F is not a PPO plan. It is a Medigap plan. Members who sign up for this plan can see any doctors or hospitals that accept the Medicare assignment.

If you have additional questions or would like to sign up for Innovative F, please contact us.
-Eric at Senior65.com


By Sarah on November 29, 2017

Just wondering if there are any updates yet regarding where Innovative-F fits in terms of changing plans later under California's Birthday Rule? I'm turning 65 soon and am considering Innovative F, but I want to be sure I'll have the option of switching to something else later without going through medical underwriting. Since Plan F is being discontinued soon, rates for all versions of Plan F could go increase a lot in the following years. I want to be sure I would not be stuck in Innovative F if that happens.

Sarah, Anthem has indicated that anyone on Innovative F in CA can move to any other plan during their birthday month. Please let us know if you have additional questions or if we can help you enroll.
-Eric at Senior65.com


By Lucy on November 25, 2017

Lynda's question regarding the ability to switch from Innovative Plan F to to regular Plan F is critical. Do you have an answer? Also, in 2020, when Plan F will be eliminated EXCEPT for those already enrolled in Plan F, will the same rules apply to Innovative Plan F?

We spoke with Anthem Blue Cross and they said that those on Innovative Plan F will be able to switch to Standard Medigap Plan F or any lesser benefit plan during their birthday rule.

They did say that those on standard plan F will have to go through medical underwriting before being approved on the innovative F.
-Chris from Senior65.com


By Charles on November 20, 2017

What is the cost for the Anhem Blue Cross Plan "F". Also do they have a Plan "G" like AARP/United Health Care. and what would the cost be for Plan "G" if available?

Charles,
You can get instant medigap prices here. These include innovative F, regular F and G but do not include AARP/United Health. Those are not available online. Give us a call and we can quote your AARP/United Health rate over the phone. 800-930-7956
-Michelle from Senior65


By Ralph on October 18, 2017

I was told by a Anthem agent that Dental was included in the new "Innovative plan F"

Ralph,
According to Anthem's summary of benefits, Innovative F includes Vision and Hearing benefits. Dental benefits are optional. Click here to see exactly what is covered and get optional dental pricing. After you click on that link, you first have to hit "get a quote" before you can get to the plan details and optional pricing.
-Michelle from Senior65.com


By william on October 17, 2017

Does Anthem Blue Cross Innovative Medigap Plan F also offer silver sneakers?

William,
Yes, The innovative F does cover silver sneakers. Since it is so new, you may not see it on our quoting engine. Call us for pricing and to enroll.
-Michelle from Senior65.com


By Lynda on October 11, 2017

Would someone who chose to switch policies/plans during their birthday month, where in CA they have Guaranteed Rights, have the choice of ANY F or only Innovative F without underwriting??? I saw that Oregon doesn't allow someone with Innovative F to switch to an F without underwriting. Not sure why but I read that. Thank you.

Lynda,
Great questions! Unfortunately we do not have the answers right now because innovative F is so new. We will contact them to see if they can answer those questions.
-Chris from senior65.com
UPDATE!!!! An Anthem rep said that you could switch from Innovative plan F to standard Medigap F without underwriting in California. I'm not sure why someone would do that as Innovative F is priced less than Standard F and has more benefits. Any switching would be from Innovative F to G and the Anthem rep confirmed that that too could happen without medical review as part of the birthday rule.


By Martin Lo on October 06, 2017

I thought every plan F was the same? How can Blue Cross they offer extra benefits like hearing and vision?

Martin, While in the past Medigap plans were able to add gym memberships like silver sneakers, this is the first plan that we know of that offers Hearing Aids and Vision. With all the calls about hearing aid benefits, it should be very popular.
-Chris from https://www.senior65.com/



Leave a Question or Comment Below

We are a small but energetic team! If you are already working with an insurance agent, please direct your question to him or her.

If you do not have an agent (or our unsatisfied with your agent's knowledge or service), shoot us your question below and consider enrolling in a plan through Senior65! For more check out "Why work with Senior65?"










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



It's 100% FREE to work with Senior65

Call our licensed agent today at 800-930-7956. Click here to learn 5 great reasons to work with Senior65.com

Don't Miss Out!!!Open Enrollment Ends In:


Learn More about Open Enrollment