Innovative F Medigap is a new Medicare Supplement plan offered by Anthem Blue Cross in California and Nevada starting Jan 1, 2018. 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.
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:
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:
|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 $1,316*||You pay $0|
|Hospital days 61-90||You pay $329 per day per day||You pay $0|
|Hospital Days 91-150||You pay $658 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 $164.50 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|
Get quote: To see innovative plan F pricing you must select 1/1/2018 or later as your requested effective date. Click here for you Anthem Blue Cross Innovative F quote
By Ralph on October 18, 2017
I was told by a Anthem agent that Dental was included in the new "Innovative plan F"
By william on October 17, 2017
Does Anthem Blue Cross Innovative Medigap Plan F also offer silver sneakers?
By Lynda on October 11, 2017
Is this a regular F plan medigap with added riders for preventive dental, vision and hearing benefits? 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??? And is that in the contract? 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.
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?