You can select a high deductible plan only if you are eligible. For example, the high deductible version of Plan F is available only to those whose Medicare coverage started before Jan. 1, 2020. With a high deductible plan option, you pay the first $2,370 before your policy pays anything, plus a separate annual deductible of $250 for foreign travel emergency services. For Cigna, the high deductible option includes a lower monthly rate.
Note: These deductible amounts apply to the calendar year 2021 and are subject to change.