If you agree to share some of the costs of your healthcare, Medicare Supplement Insurance Plan N* from Blue Cross and Blue Shield of Oklahoma is a practical choice. With 100 percent coverage for your Part A deductible, hospitalization coinsurance, foreign travel emergency care, skilled nursing copayment, and more, this plan is 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 an Oklahoma senior looking for dependable health care at a moderate price, Medicare Supplement Insurance Plan N may be the right choice. This Plan provides full coverage for your Part A deductible ($1,600) and 100 percent of any hospitalization coinsurance after Medicare benefits end.

That means on day 61 when Medicare stops paying, this plan pays $400 a day through day 90 and $800 a day with Lifetime Reserve beyond day 91. Plan N 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 Oklahoma Medicare benefits pay for the first 20 days of skilled nursing care in full and continue this coverage by paying for the remaining amount ($200 a day) for days 21-100. The plan also pays your full Medicare copayment/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 copayment days 21-100
• Medicare copayment/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 from Blue Cross and Blue Shield of Oklahoma, 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.

Medicare Supplement Insurance Plan N is a smart, affordable way to supplement Original Medicare with dependable benefits from a provider you can trust. With modest copays for basic benefits, full coverage for Part A deductible, and skilled nursing coinsurance.

Benefits Medicare does not pay in 2023	Expenses covered by our plans
	Plan A	Plan F	High Deductible Plan F	Plan N*
Part A (Hospital Services)**
$1,600 Medicare hospital deductible
$400 per day copayment for covered expenses for days 61-90 in the hospital
$800 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 the first three pints of blood)
$200.00 per day for days 21-100 in a skilled nursing facility
Hospice care (Medicare Part A)
Part B (Physician’s Care and Medical Services)
$226 Part B deductible
Coinsurance for medical expenses (25% of Medicare approved amount for preventive services and 20% for the 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 $2,700 deductible. Benefits from high-deductible Plan F will not begin until out-of-pocket expenses are $2,700. 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 in 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 for each benefit period. See your Outline of Coverage for details and limitations of these benefits.

† After the $226 Part B deductible is met for Plans A, F, High Deductible Plan F, and Plan N.

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