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.