Plan B

A low cost, basic benefits plan, Medicare Supplement Plan B offers Oklahoma seniors peace of mind and confidence in supplemental coverage they can afford. With Plan B, you can count on having your Part A deductible covered, as well as 100 percent of your hospitalization coinsurance from days 61-90. Plan B also pays for an additional 365 days of hospital care after Medicare benefits end and 100 percent of the costs of the first three pints of blood. Plan B covers your coinsurance/copayment for hospice care and is a practical, easy way to supplement Medicare coverage. Here is a snapshot of Medicare Supplement Plan B in more detail.

Plan B Benefits

Medicare Part A helps pay for hospitalization expenses, but it doesn’t pay for everything and after day 60, you’re on your own. Medicare Supplement picks up where Original Medicare ends. For hospitalization, Medicare Supplement Plan B covers 100 percent of your Part A coinsurance from day 61 through day 90 ($329 a day) and the remainder owed after day 90 ($658 a day). Plan B also pays for all Medicare approved costs for an additional 365 days of hospitalization after your Medicare Lifetime Reserve benefits end. The costs for the first three pints of blood are covered 100 percent, and your Medicare copay and coinsurance for hospice care are covered completely.

Medicare supplement plan B also helps cover some of the out-of-pocket costs of seeing a doctor, receiving outpatient care and other hospital services like surgical care or certain diagnostic tests. Even with Medicare, seniors typically must pay 20 percent for these services. Medicare Supplement Plan B covers these charges after your Part B deductible has been met, helping reduce your out-of-pocket expenses. Plan B also covers the remaining costs for home health care after your Part B deductible has been met. That means if you need to see a doctor, Plan B covers your coinsurance, or the remaining 20 percent of Medicare approved amounts.

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Benefits Summary

  • Part A deductible
  • 100 percent of hospitalization coinsurance days 61-90
  • 365 extra days of hospital care after Medicare coverage ends
  • 100 percent of the cost of the first three pints of blood
  • Medicare copayment/coinsurance for hospice care

What You Can Expect To Pay With Medicare Supplement Plan B

With Medicare Supplement Plan B, you will be responsible for paying a monthly premium, as well as your Part B deductible. You should expect to pay for any hospital care you receive beyond 365 extra days of hospital care after your Medicare Lifetime Reserve is used and any costs not covered by Medicare in a skilled nursing facility after 21 days. You may visit any Medicare-eligible hospital you choose. However, if you live within a 30-mile radius of a Medicare Select participating hospital and agree to use that hospital for non-emergency elective admissions, you can save on your premiums.

A low cost, basic benefits plan, Medicare Supplement Plan B is guaranteed renewable, meaning even if you get sick, as long as you pay your premium, your benefits can never be terminated and your Blue Cross Medicare Supplement Plan B is renewable, despite your health.

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.