Plan F

Medicare Supplement Insurance Plan F* is the most comprehensive plan offered by Blue Cross and Blue Shield of Oklahoma. It’s also the most popular choice among Oklahoma seniors, and it’s easy to see why. With complete and total protection, it pays for more than any other standardized plan offered in the state. You can count on coverage for deductibles, copays, and coinsurance, and there are even a few benefits Original Medicare does not provide like emergency care while traveling in a foreign country.


Medicare Supplement Insurance Plan F provides total protection. Your Medicare Part A deductible ($1,484) and coinsurance is paid in full. When Original Medicare benefits decrease after day 60, this plan takes over. Pays the remaining hospitalization charges for days 61-90 ($370 a day) and days 91 and beyond while using Lifetime Reserve days ($740). After Lifetime Reserve days have been used up, this plan pays 100 percent of all Medicare-approved expenses for an extra 365 days in the hospital and the costs for the first three pints of blood.

Pays your Medicare Part B deductible in full, coinsurance, and any excess charges that Medicare will not pay. That means this plan pays the 20 percent leftover for you to receive outpatient medical services, supplies and treatment, physician services, physical and speech therapy, diagnostic tests and durable medical equipment. In addition, your coinsurance for days 21-100 of skilled nursing care are covered and 80 percent of any foreign emergency care you need up to $50,000 during your lifetime.


Benefits Summary

  • Medicare Part A deductible and coinsurance for hospitalization services
  • 365 extra days of hospital care after Medicare coverage ends
  • Medicare Part B deductible and coinsurance for medical expenses and hospital outpatient services
  • The cost of the first three pints of blood each year
  • 100 percent of Medicare Part B excess charges
  • Skilled nursing facility coinsurance
  • Medicare copayment/coinsurance for Hospice care
  • 80 percent of Foreign travel emergency care (after $250 deductible, up to $50,000 lifetime)

What You Can Expect To Pay 

With Medicare Supplement Insurance Plan F from Blue Cross Blue Shield of Oklahoma, you can expect to pay a monthly premium, all hospitalization costs beyond the additional 365 days after the Lifetime Reserve are used up, all costs after 101 days of skilled nursing care, an annual $250 deductible for foreign emergency care and 20 percent of costs within the first $50,000. However, if you agree to use a Medicare Select participating hospital for non-emergency elective admissions, you can save on your premiums.

Blue Cross Blue and Shield of Oklahoma will never terminate or refuse to renew your policy because of the condition of your health.

Benefits Medicare
does not pay in 2021
Expenses covered by our plans
Plan A Plan F High Deductible
Plan F
Plan N*
Part A (Hospital Services)**
$1,484 Medicare
hospital deductible
$370 per day
copayment for
covered expenses for
days 61-90 in hospital
$740 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
Calendar year blood
deductible (charges
for first three pints of
$185.50 per day for
days 21-100 in a
skilled nursing facility
Hospice care
(Medicare Part A)
Part B (Physician’s Care and Medical Services)
$203 Part B deductible
Coinsurance for
medical expenses
(25% of Medicare
approved amount for
preventive services
and 20% for most
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
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 $2,370 deductible. Benefits from high-deductible Plan F will not begin until out-of-pocket expenses are $2,370. 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 $185 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.

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

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