Plan A

These days, we’re all looking for a few great strategies for saving money. For Oklahoma seniors, dependable health care is priority one and Medicare Supplement Plan A from Blue Cross Blue Shield is a smart way to secure the basic coverage you need at an affordable price. With Plan A, you can count on extra days of hospital and skilled nursing care after Original Medicare benefits end as well as 100 percent of any copays and coinsurance costs for hospice care. In exchange for paying a monthly premium, your Medicare Part A and Part B deductibles and any Part B excess charges, you receive dependable coverage from a solid provider you can trust. Here is a more detailed look at Medicare Supplement Plan A from Blue Cross Blue Shield of Oklahoma.

Plan A Benefits

As a Medicare recipient in Oklahoma, you can expect Original Medicare to pay for your hospitalization charges, but only until day 60. If you need to remain in the hospital longer, Medicare Supplement Plan A can help you with these costs. Plan A provides coverage for your entire hospitalization coinsurance from day 61 through day 90 ($329 a day) and any remainder owed after day 90 ($658 a day). Plan A also covers an additional 365 days of hospital care after your Medicare Lifetime Reserve benefits are used up. The costs for the first three pints of blood and your Medicare copayment/coinsurance for hospice care are also covered 100 percent.

With Original Medicare, only 80 percent of Part B approved services are covered, even after paying your Part B deductible, leaving you responsible for the remaining 20 percent. With Medicare Supplement Plan A, these expenses are covered, meaning you can visit the doctor or receive a diagnostic test with peace of mind. Plan A also covers the full cost for the first three pints of blood and the remaining 20 percent for home health care after your Part B deductible has been met.

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Benefits Summary

  • 100 percent of hospitalization coinsurance for days 61-90
  • Part B coinsurance for medical expenses (20 percent of Medicare-approved expenses) or copayments for hospital outpatient services
  • The cost of 365 extra days of hospital care after Medicare coverage ends
  • 100 percent of the cost of the first three pints of blood each year
  • Medicare copayment/coinsurance for hospice care

What You Can Expect To Pay With Medicare Supplement Plan A

A low cost, basic benefits plan, with Medicare Supplement Plan A, you can expect to pay a monthly premium as well as your Part A and Part B deductible. You will also be responsible for any Part B excess charges that Medicare does not pay and hospitalization costs beyond the additional 365 days after the Lifetime Reserve are used. If you need skilled nursing care, you will be responsible for all charges beyond the 21 days provided by Original Medicare.

With Medicare Supplement Plan A from Blue Cross Blue Shield of Oklahoma, you have security that if you pay your premium, your benefits can never be terminated. Plus, your plan is renewable, regardless of your health. An easy, affordable solution for securing dependable, basic coverage, Medicare Supplement Plan A from Blue Cross is a smart choice.

Benefits Medicare
does not pay in 2017
Expenses covered by our plans
Plan A Plan F High Deductible
Plan F
Plan N*
Part A (Hospital Services)**
$1,316 Medicare
hospital deductible
$315 per day
copayment for
covered expenses for
days 61-90 in hospital
(totaling $9,450)
$658 per day
copayment for
covered expenses
while you use your
Lifetime Reserve
100% of Medicare
allowable expenses
for additional 365 days
after Medicare
hospital benefits stop
completely
Calendar year blood
deductible (charges
for first three pints of
blood)
$164.50 per day for
days 21-100 in a
skilled nursing facility
Hospice care
(Medicare Part A)
Part B (Physician’s Care and Medical Services)
$183 Part B deductible
Coinsurance for
medical expenses
(25% of Medicare
approved amount for
preventive services
and 20% for most
others)
Generally 20%
except up to $20
copayment for
office visit and
up to $50 ER
100% of Medicare Part
B excess charges
(above Medicare
approved amounts)
Coinsurance for
durable medical
equipment (20% of
Medicare approved
amounts)
Additional Expenses Not Covered by Medicare
Benefits for medically
necessary emergency
care received in a
foreign country

 

* Plan F also has an option called a high-deductible Plan F. This high-deductible plan pays the same or offers the same benefits as Plan F after one has paid a calendar year $2,2000 deductible. Benefits from high-deductible Plan F will not begin until out-of-pocket expenses are $2,200. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the plan’s separate foreign travel emergency deductible.

** Hospital benefits must be provided by facilities participating with Medicare. Payments are limited to the reasonable charge as determined by Medicare.

*** After 90 days of hospitalization, Medicare benefits are paid from a one-time lifetime reserve of 60 additional days (days 91-150) which are not renewable each benefit period. See your Outline of Coverage for details and limitations of these benefits.

† After $183 Part B deductible is met for Plans A, F, High Deductible Plan F, and Plan N.

†† Foreign Travel Emergency covered at 80% after first $250 each is paid each calendar year; up to $50,000 lifetime maximum.