Fax completed applications to: (847) 220-9280 or email [email protected]

BCBSTX Medicare Supplement Plans

Medicare Supplement Plans

Why You Need Medicare Supplement Insurance

Medicare is a federal program to help older Americans and some disabled Americans pay for the high cost of health care. However, Medicare was never intended to cover all your health care costs. So even if you’re covered by Medicare, you are still responsible for a large portion of your health care costs. Without Medicare Supplement insurance, your out-of-pocket costs could add up to more than $71,700 this year alone.

By law, Medicare Supplement insurance is standardized into twelve plans (Plans A through L). That means Plan G from one company must include the same benefits as plan G from another company. While the benefits must be the same, each company’s rates, reputation, membership features and quality of service can vary. With Blue Cross and Blue Shield of Texas, you don’t have to sacrifice comprehensive benefits or freedom-of-choice for affordability. Their Medicare Supplement plans provide substantial benefits at rates that can save you money over other plans.

Blue Cross Blue Shield of Texas Medicare Supplement Plans

BCBSTX offers a choice of 6 Medicare Supplement Insurance plans; Plan A,  Plan F, Plan G, Plan N, Plan K, and Plan L.

• Plan F and Plan G pay the Medicare Part A hospital deductible and co-payment(s), the skilled nursing facility copayment(s) and emergency care for foreign travel.
• Plans K and L are low-cost, cost-sharing Medicare Supplement Insurance plans that require you to pay a higher percentage of the costs in return for reduced premiums.
• BCBSTX also offers basic Plan A, the plan with the lowest benefits.

*Plan F also has an option called high deductible Plan F (HD-F). This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2,490 deductible. Benefits from high deductible Plan F will not begin until out-of-pocket expenses exceed $2,490. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare Part A and Medicare Part B deductibles, but do not include the plan’s separate foreign travel emergency deductible.

**Plans K and L provide for different cost-sharing than plans A-F. Once you reach the annual limit, the plan pays 100% of the Medicare copayments, coinsurance and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges from your provider that exceed Medicare-approved amounts, called “excess charges.” You will be responsible for paying excess charges.

Medicare-Select Options

Plan F, Plan G, Plan K, Plan L, and Plan N Med-Select options offer you the same benefits as the “standard” plans, but cost less. You save on premiums simply by agreeing to use any of the Med-Select participating hospitals for non-emergency elective admissions. If you do not use one of these hospitals for your non-emergency admissions, you pay the $1,632 Part A deductible. Med-Select is not an HMO. With Med-Select, you are fully covered for emergency care at any hospital, and you can choose your own doctors and specialists. Med-Select is available in specific geographic areas only. You must live within a 30 mile radius of a Medicare-Select participating hospital.

Ryan Kennelly authorized agent for Blue Cross and Blue Shield of Texas Blue Cross and Blue Shield of Texas: A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association.