Medicare Supplement Insurance — Plan F

Medicare Supplement insurance costs include monthly premium payments and may include deductibles, out-of-pocket expenses, copayments and coinsurance. Here is what you can expect to pay with Plan F:

• All hospitalization 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.

• Part B deductible
• 100 percent of Part B excess charges
• Supplemental Medicare coverage for hospitalization (Part A), including semi-private room and board, general nursing and miscellaneous services and supplies
• Supplemental Medicare coverage for medical services (Part B), including in or out of the hospital and outpatient medical services, supplies and treatment, physician services, physical and speech therapy, diagnostic tests and durable medical equipment
• Supplemental Medicare coverage for skilled nursing facility care, hospice care and home healthcare approved services
• 100 percent coverage for the first three pints of blood (this is not covered by Medicare)
• After a $250 cost, this Medicare Supplement insurance plan covers 80 percent to a lifetime maximum of $50,000 for foreign travel emergency care
• Coverage for an additional 365 days beyond the Lifetime Reserve
• Although you can go to a Medicare-eligible hospital of your choice, if you live within a 25-mile radius of a Blue Plan65 Select participating hospital and agree to use that hospital for non-emergency elective admissions, you can save on your premiums

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.

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.