Medicare Supplement Plans

If you agree to share some of the costs of your healthcare, Medicare Supplement Insurance Plan N* from Blue Cross and Blue Shield of Texas, A Division of Health Care Service Corporation is a practical choice. With 100 percent coverage for your Part A deductible, hospitalization coinsurance, foreign travel emergency care, skilled nursing co-payment, and more. This plan provides a workable solution for adding to your Original Medicare benefits. Here is a more detailed description of the benefits and costs you can expect.

Benefits

As a senior looking for dependable health care at a moderate price, Medicare Supplement Insurance Plan N may be the right choice. Provides full coverage for your Part A deductible ($1,736) and 100 percent of any hospitalization coinsurance after Medicare benefits end. That means on day 61 when Medicare stops paying. Pays the $434 a day through day 90 and $868 a day with Lifetime Reserve beyond day 91. This plan also covers 100 percent of all Medicare-eligible expenses in the hospital for an extra 365 days after Medicare benefits end. Plus, the first three pints of blood are covered 100 percent as well as foreign travel emergency care.

Your Texas Medicare benefits pay for the first 20 days of skilled nursing care in full. Medicare Supplement Insurance Plan N continues this coverage by paying for the remaining amount ($217 a day) for days 21-100. This plan also pays your full Medicare co-payment/coinsurance for hospice care.

Benefits Summary

• Part A deductible
• 100 percent of hospitalization coinsurance days 61-91
• Extra 365 days of hospital care after Medicare coverage ends
• 100 percent of the cost of the first three pints of blood
• 100 percent of the skilled nursing facility co-payment days 21-100
• Medicare co-payment/coinsurance for hospice care
• 80 percent of Foreign travel emergency care (after a $250 deductible, up to $50,000 lifetime)

What You Can Expect to Pay 

With Medicare Supplement Insurance Plan N, you will be required to pay a monthly premium, your Medicare Part B deductible and excess charges, hospitalization costs beyond the additional 365 days after the Lifetime Reserve are used, all skilled nursing facility costs after 101 days, a $20 copayment for office visits, $50 copayment for emergency room visits and an annual $250 for foreign care along with 20 percent of costs up to a $ 50,000-lifetime benefit. With this plan, if you agree to use a hospital in the Medicare-approved network for non-emergency services, you will be eligible for a reduced premium.

Compare plans online, or call (855) 760-2227 today, so we can help you maximize your Medicare benefits. Our friendly agents are waiting to answer your questions.

Medicare Supplement Plan F and High Deductible Plan F are only available to those individuals who turned 65 before January 1, 2020.

* 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 (2024 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.
TXMEDWEB02-REV 08/12

What is a Medicare Supplement?

A private health insurance policy designed to help pay some or all of the costs that are not covered by Medicare Parts A and B.

Who is eligible?

Anyone who is covered under both Medicare Parts A and B is eligible for coverage. This includes disabled individuals who are under 65.

Be Turned down?

No, Blue Cross and Blue Shield of Illinois are guaranteed to issue policies, meaning they will accept you regardless of your health history and cover any pre-existing conditions.

When to Apply?

You can apply during open enrollment. This includes a six-month period from the date you enrolled in Part B if age 65 or older, or up to six months after you turn 65 if you were eligible for Part B benefits before age 65. If you become eligible for benefits before age 65 due to disability or ESRD (permanent kidney failure), you are guaranteed the plan of your choice during the first six months you are age 65 and enrolled in Part B.

Change Mind?

If you apply today, Blue Cross and Blue Shield of Illinois will send you an ID card and a plan to review for 30 days. Pay your first premium only after you are convinced the protection is right for you. Even after you send your first payment and your coverage is in effect, you can still change your mind. Simply return your policy and ID card within 30 days of the effective date. As long as you have not filed any claims, you are under no obligation, and any premiums paid will be refunded.

Prescription Coverage?

No, for prescription coverage, you can select a separate Medicare Part D Prescription Drug Plan.

Medicare Parts A and B?

No, you must be entitled to Part A and/or enrolled in Part B to be eligible for prescription coverage.

To learn how to get Part A and/or Part B, please call Medicare at 1-800-MEDICARE (1-800-633-4227), 24 hours a day/7 days a week. For the hearing or speech impaired, please call 1-877-486-2048.

You may also contact your State Medicaid Office or the Social Security Administration at 1-800-772-1213, Monday – Friday, 7 a.m. – 7 p.m. CST. For the hearing or speech impaired, please call 1-800-325-0778.

Everyone Need?

If you have certain other types of coverage, the gaps in your Medicare coverage may already be covered.

May not Need if:

Belong to a Medicare Part C Medicaid or the Qualified Medicare Beneficiary (QMB) Program pays your Medicare premiums and other out-of-pocket costs; You are covered under an employer group health plan.

What if I (or my spouse) plan to work after age 65?

Check with your group plan administrator. You may be able to choose either your group plan or Medicare plus Medicare Supplement coverage. If you stay with your group plan, a Special Enrollment Period lets you delay purchasing Part B.

Any Hospital or Doctor?

You are free to go to any doctor or hospital you choose for care. Your coverage will be recognized across the country. If you are a Med Select member you must go to a participating hospital for all non-emergency admittance.

Med-Select Plan different from the Standard Plan?

A Med-Select Plan works just like a standard plan with one difference. With Med-Select, all scheduled inpatient hospital stays must be at a participating hospital</a > in order to have coverage for the Medicare Part A deductible.

If you do not go to a participating hospital for a scheduled non-emergency hospital stay, you must pay the Medicare Part A deductible. However, for emergency admission, you are covered at any hospital, regardless of whether it is a participating hospital.

You must live within 30 miles of one of our Med-Select hospitals.

Cover Prescription Drugs?

No. For your prescription drug coverage needs, Blue Cross and Blue Shield of Illinois offer BlueCross MedicareRx^SM

Need to switch Doctors?

No. You may continue to see your doctor.

See a Specialist whenever?

Yes. Just remember that your out-of-pocket costs will be less if you choose a physician who accepts Medicare.