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Licensed agent: Ryan Kennelly • 855-847-7020 ext. 3
California Birthday Rule: If you already have a Medigap policy, California gives you a 60-day window every year starting on your birthday to switch to the same plan letter with any carrier, or to any plan with equal or fewer benefits, with no health questions asked. Learn how the Birthday Rule works.
Plan F eligibility notice. Plan F, high deductible Plan F and Plan C are only available to people who became eligible for Medicare before January 1, 2020. Eligibility is keyed to the date you became eligible for Medicare, not the date your Part A coverage started, which matters if you delayed enrolling. If you became eligible on or after that date, Plan G is the most comprehensive Medicare Supplement plan available to you, and it covers everything Plan F covers except the Part B deductible ($283 in 2026). Compare Plan G or call (855) 847-7020 ext. 3.
Anthem Medicare Supplement Plan F
Plan F
Plan F is the richest Anthem Blue Cross Blue Shield California Medicare Supplement plan. No other standardized Medicare Supplement plan offered in California offers more complete protection for your uncovered Part B medical expenses than Plan F. Only medicare beneficiaries that have Medicare Part A start dates before January 1, 2020 are eligible for Plan F. If your Part A start date is after this date, Plan G is the richest plan you can enroll in.
It covers:
- Your Part A deductible and coinsurance
- The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
- Your Part B coinsurance and the cost of the first three pints of blood
- Medicare Part A hospital deductible and copayments
- Skilled nursing facility copayment
- Foreign travel emergency care
- $283 Part B Medicare deductible
- Part B doctor charges that are in excess of Medicare-approved amounts
Benefit Summary
| Benefit | What Plan F Covers |
| Part A Deductible You may need this benefit if you have to stay in the hospital. This amount can change every year. You have to pay this deductible for each benefit period. | Plan F covers 100% of the Part A deductible. |
| Part B Deductible You may want to consider this benefit if you have Medicare Part B. Each year you must pay the Part B deductible before Medicare starts to pay its share. If you have this benefit, the Medigap plan would pay this amount each year. | Plan F covers 100% of the Part B deductible. |
| Part B Coinsurance Without this benefit, you generally pay 20% of the Medicare-approved amount for Medicare Part B covered services and supplies (like doctor services and outpatient hospital care). This benefit will help you to reduce your out of pocket after Part B deductible. | Plan F covers all of the 20% remainder costs |
| 365 Extra Days of Hospital Stay After you use all Medicare hospital benefits, you can receive up to 365 more days for hospital stays during your lifetime. | Plan F covers all of the costs for an additional 365 additional hospital days |
| 3 Pints of Blood The first 3 pints of blood or equal amounts of packed red blood cells per calendar year, unless this blood is replaced. | Plan F covers all of the costs of 3 pints of blood per calendar year |
| Part B Excess Charges Under federal law, doctors who don’t accept “assignment” (take Medicare’s approved amount as payment in full) may charge up to 15% more than the approved amount. You might want to think about this benefit if your doctors don’t accept assignment. You may also want this benefit if you have to stay in the hospital and can’t control whether the doctors you see accept assignment. | Plan F covers 100% of the excess charges |
| Foreign Travel Emergency If you travel outside the United States, this benefit could save you money for emergency care. | Plan F covers 80% (after a $250 deductible) to a lifetime maximum benefit of $50,000. |
| Skilled Nursing Coinsurance Medicare pays for the first 20 days of a skilled nursing facility. If you need to go to a Skilled Nursing Facility (SNF) after a hospital stay and stay in the SNF longer than 20 days, this benefit begins. | Plan F covers up to $217 per day for days 21-100 and 100% for days 101 and after. |
| Home Health Care Home Health Care is skilled nursing care and certain other health care services you get in your home for the treatment of an illness or injury. | Plan F covers the 20% remainder not paid by Medicare Part B. |
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (in California, HICAP at 1-800-434-0222) to get information on all of your options.