Plan F High Deductible
covers your Part B deductible, Medicare
Part B Excess Charges and emergency
care during foreign travel.
If
you choose the high-deductible option
on Medicare Supplement Plan F, you
have to pay a deductible of $2,000
for 2010 before the plan pays anything.
The deductible amount can change
each year. Please keep in mind that
while high-deductible policies have
lower premiums, if you become sick,
you could have higher out-of-pocket
costs until you reach the annual
deductible.
With
a Plan F High Deductible Medicare
Supplement Plan, Anthem Blue Cross
will pay for some or all of the
following (please see the Outline
of Coverage for the specifics of
each plan):
|
Medicare
Part A and Part B deductibles |
|
The
20 percent coinsurance for
physician services |
|
Excess
fees for physicians who
take Medicare but don’t
accept the Medicare approved
amounts as full payment |
|
Health
care from any doctor or
hospital in the United States
who is a Medicare-approved
provider |
|
Emergency
health care you may need
if you travel outside the
United States |
Medicare
Supplement Plans shield you from
the unexpected
Without
a Medicare Supplement Plan, sometimes
referred to as a Medigap plan, health
care costs can quickly add up to
thousands of dollars.
Upon
reaching Medicare-eligibility, many
people have found that while Medicare
provides basic health care coverage,
it’s not always enough.
|
Medicare
Part A provides hospital
insurance, yet it does not
cover the benefit period
deductible or the coinsurance
required for hospital care. |
|
Medicare
Part B has an annual
deductible and typically
covers only 80 percent of
Medicare’s approved amount
for medical care. |
We
offer a range of Medicare Supplement
products so whether you just want
to supplement the basics or want
to ensure you have a wide range
of supplemental coverage, we have
a plan that will work for you. What
each plan covers is summarized here;
please see the Outline of Coverage
document on this page for more details.
|
|
|
|
|
|
|
|
|
Plan A |
Plan F |
Plan F High Deductible1
|
Plan G |
Plan N |
Medicare Part A Coinsurance
plus coverage for 365
additional days after
Medicare benefits end.
|
Medicare
Part B Coinsurance |
|
Blood
(First Three Pints)
and |
|
Hospice
(under Part A
Coinsurance) |
|
X |
X |
X |
X |
X2
|
Skilled Nursing Facility
Care Coinsurance
|
|
X |
X |
X |
X |
Medicare Part A Deductible
|
|
X |
X |
X |
X |
Medicare Part B Deductible
|
|
X |
X |
|
|
Medicare Part B Excess
Charges |
|
100% |
100% |
100% |
|
Foreign Travel Emergency
|
|
X |
X |
X |
X |
NOTE:
If you are under 65 and qualify
for Medicare due to disability,
your choice of plans may be limited.
See the Outline Of Coverage for
available plans.
1
You must pay for Medicare-covered
costs up to the high-deductible
amount ($2,000 in 2010) before your
Medicare Supplement policy pays
anything.
2
100% Part B coinsurance, except
up to $20 copayment for office visit
and up to $50 copayment for ER.
A
benefit period begins on the first
day you receive service as an inpatient
in a hospital and ends after you
have been out of the hospital and
have not received skilled care in
any other facility for 60 days in
a row.
When
your Medicare Part A hospital benefits
are exhausted, the insurer stands
in the place of Medicare and will
pay whatever amount Medicare would
have paid for up to an additional
365 days as provided in the policy’s
“Core Benefits.”
During
this time the hospital is prohibited
from billing you for the balance
based on any difference between
its billed charges and the amount
Medicare would have paid.