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.
As an Oklahoma seniors 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 ($1,316) and 100 percent of any hospitalization coinsurance after Medicare benefits end.
That means on day 61 when Medicare stops paying, this plan pays the $329 a day through day 90 and $658 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 continues this coverage by paying for the remaining amount ($164.50 a day) for days 21-100. Plan also pays your full Medicare copayment/coinsurance for hospice care.
- 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 $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 is 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.
does not pay in 2017
|Expenses covered by our plans|
|Plan A||Plan F||High Deductible
|Part A (Hospital Services)**|
|$315 per day
covered expenses for
days 61-90 in hospital
|$658 per day
while you use your
|100% of Medicare
for additional 365 days
hospital benefits stop
|Calendar year blood
for first three pints of
|$164.50 per day for
days 21-100 in a
skilled nursing facility
(Medicare Part A)
|Part B (Physician’s Care and Medical Services)|
|$183 Part B deductible|
(25% of Medicare
approved amount for
and 20% for most
except up to $20
office visit and
up to $50 ER
|100% of Medicare Part
B excess charges
equipment (20% of
|Additional Expenses Not Covered by Medicare
|Benefits for medically
care received in a
* 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.
*Not connected with or endorsed by the U.S. Government or Federal Medicare Program