Medicare Supplement Insurance — High Deductible Plan F

Medicare Supplement insurance costs include monthly premium payments and may include deductibles, out-of-pocket expenses, copayments and coinsurance.

• This high deductible Medicare Supplement insurance plan pays the same benefits as Plan F after you have paid a calendar-year $2,000 deductible.
• Benefits from the High Deductible Plan F will not begin until out-of-pocket expenses are $2,000.
• Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy, which includes the Medicare deductibles for Part A and Part B, but not the separate foreign travel emergency deductible.

Other costs you can expect to pay with High Deductible Plan F:

• All costs beyond the additional 365 days after the Lifetime Reserve are used
• All costs after 101 days in a skilled nursing facility
• Foreign travel: $250 per calendar year; 20 percent of costs within the first $50,000; all costs thereafter

For more information on costs, get a quick quote or see the Medicare Supplement Outline of Coverage. The Outline of Coverage is available for download when you get a quote.

• Your $1,184 Part A deductible and coinsurance
• The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
• $147 Part B Medicare deductible
• Your Part B coinsurance and the cost of the first three pints of blood
• 100 percent of Part B physician charges that are in excess of the Medicare-approved amount (by law no physician may charge more than 115 percent of Medicare-approved amounts).
• Skilled nursing facility copayment
• Hospice care
• Foreign travel emergency care*

More Plan Details

It's important to know the critical features of the Medicare Supplement insurance plan you are considering. The Outline of Medicare Supplement Coverage (available when you get a quote) provides brief descriptions of the basic provisions of the Medicare Supplement insurance plans, as well as details on policy renewability, benefit exclusions and coverage limitations.

* Plans cover medically necessary emergency care services needed immediately because of an injury or illness of sudden and unexpected onset, beginning during the first 60 days of each trip outside the USA.

Blue Cross and Blue Shield of Oklahoma (BCBSOK) will never terminate or refuse to renew your Medicare Supplement Coverage Policy because of the condition of your health. However, to protect you and the rights of all policy holders, there are situations when a Medicare Supplement insurance plan may be terminated or a renewal refused:

• Failure to pay
• The Medicare Supplement insurance plan is discontinued (90 days notice given with an option to convert to any plan we offer)
• Discovery of fraud or an intentional misrepresentation of facts (30 days prior written notice given)
• If you no longer reside, live or work in an area where we are authorized to do business

For more information on renewability, see the Outline of Medicare Supplement Coverage that is available when you get a quote.

* A benefit period begins on the first day you receive services 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.

** NOTICE: 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.

* Once you have been billed $147 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

* Once you have been billed $147 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.