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 | 12 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.  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 1, 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

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.
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Reader Comments and Questions

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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.

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 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

By Darleen on January 03, 2018

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

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

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?

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

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?

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

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?

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

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

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

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?

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"

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

By william on October 17, 2017

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

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

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.

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
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

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