Plan K

If you are looking to secure a low monthly premium and still have access to reliable benefits, Medicare Supplement Insurance Plan K* may be the right solution. A cost-sharing alternative to other standardized supplement plans this plan allows you to pay a lower amount each month for slightly higher out-of-pocket costs.

What You Can Expect to Pay 

The allure of this plan is low monthly premiums, and that means you can budget for reliable health care you can trust. With  Medicare Supplement Insurance Plan K, you will be responsible for paying a minimal monthly premium, 50 percent of your Part A deductible, 100 percent of your Part B deductible and excess charges, a percentage of the costs of skilled nursing care (after day 21), and 50 percent of the first three pints of blood. In exchange for sharing the costs of your care, you can count on a lower monthly premium- and that’s always a good thing. This plan also features an out-of-pocket limit. In 2019, the maximum set for out of pocket expenses was $5,560.


With Medicare Supplement Insurance Plan K, half of your Part A hospital deductible is paid for. For the first 60 days of hospitalization, you’re only responsible for 50 percent of any remaining balance after Medicare pays. On day 61-90 you pay nothing at all. Plus, you receive an additional 365 extra days after Medicare Lifetime Reserve is used up. You also get 50 percent of the cost of the first three pints of blood paid and half of your Medicare coinsurance for hospice and skilled nursing care.

For Part B medical expenses, in or out of the hospital, Original Medicare typically pays 75-80 percent, leaving you to pay the remaining balance. Preventive care is paid in full and you only pay 10 percent of any remaining Medicare approved amounts. Blue Cross and Blue Shield of Texas, A Division of Health Care Service Corporation will never terminate or refuse to renew your plan. As long as you continue to make your monthly premium, you’re covered, even if you get sick.


Benefits Summary

  • 50 percent of Part A deductible for hospitalization services
  • 50 percent of the costs for the first three pints of blood each year
  • 50 Percent of Medicare coinsurance for hospice care
  • Skilled nursing facility coinsurance (50 percent)
  • Part A deductible (50 percent)

This plan is also eligible for the Medicare Select option. By agreeing to use hospitals in the Medicare Select Network, you can reduce your premiums even more. In exchange for lower premiums,  Medicare Supplement Insurance Plan K is a cost sharing plan you can depend on and a practical solution for securing an affordable premium and reliable benefits.

Basic Benefit
Comprehensive Plan
Budget-Conscious Plan Options
Click on each
to view details**
Plan A Plan F Plan G High Deductible
Plan F
Plan K Plan L Plan N
Medicare Select
(eligibility based
on ZIP code)
Basic Benefits 100% 100% 100% 100% 100%

Skilled Nursing
50% 75%
Part A Deductible 50% 75%
Part B Deductible
Part B Excess 100% 100%
Foreign Travel
Emergency Care†
Annual Out of
Pocket Limit††
$5,560 $2,780


* Network restrictions apply.
** Policy forms UWMSP(A)-2010, UWMSP(F)-2010, UWMSP(F-HD)-2010, UWMSP(G)-2010, UWMSP(K)-2010, UWMSP(L)-2010, UWMSP(N)-2010, UWMSP-SEL(F)-2010, UWMSP-SEL(G)-2010, UWMSP-SEL(K)-2010, UWMSP-SEL(L)-2010, UWMSP-SEL(N)-2010.

† Plans cover medically necessary emergency care services needed immediately because of an injury or illness of sudden and unexpected onset, beginning during the first 60 days of each trip outside the USA.

†† The out of pocket annual limit may increase each year for inflation (2019 limits shown).

‡ You must live within 30 miles of a participating Medicare Select hospital to be eligible.

BCBSTX is not connected with or endorsed by the United States Government, the Federal Medicare Program or any other governmental agency.

*Not connected with or endorsed by the U.S. Government or Federal Medicare Program


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