High Deductible Plan F

Illinois seniors looking for complete protection with Medicare Supplement overwhelmingly choose Plan F over any other plan. Plan F offers the most benefits of any of the standardized Medicare Supplement plans. High Deductible Plan F gives you the flexibility you need to receive the same dependable benefits while helping you save on premiums. By agreeing to share certain health care costs, you can receive complete protection when you need it most.

Benefits Included with High Deductible Plan F

With High Deductible Plan F from Blue Cross Blue Shield of Illinois, you can count on complete protection. Your Medicare Part A deductible and coinsurance are covered, as well as your Part B Medicare deductible. High Deductible Plan F also covers 100 percent of Medicare allowable expenses for an additional 365 days in the hospital after Medicare benefits end and 100 percent of the first three pints of blood.

When you need to visit your doctor, High Deductible Plan F picks up the costs for your Part B coinsurance as well as any excess charges Medicare will not pay. The copayment for skilled nursing care is covered, as is hospice care and 80 percent of any emergency care you receive while in a foreign country (after a $250 deductible and up to $50,000 in your lifetime).

Benefits Summary

  • Part A deductible and coinsurance
  • 365 extra days of hospital care after Medicare coverage ends
  • Part B Medicare deductible
  • Part B coinsurance and the cost of the first three pints of blood
  • 100 percent of Part B excess charges
  • Skilled nursing facility copayment
  • Hospice care
  • 80 percent of Foreign travel emergency care (after $250 deductible, up to $50,000 lifetime)

What You Can Expect to Pay With High Deductible Plan F

The cost sharing feature of High Deductible Plan F means that you pay an annual deductible (excluding premiums) that would ordinarily be paid by your Medicare Supplement plan. Sharing these costs significantly reduces your premium amount, saving you money. You will pay an annual deductible of $2,110 before benefits start.

This includes your Medicare deductibles for Part A and Part B, but does not include the $250 foreign travel emergency deductible. By paying this annual deductible, you can significantly reduce your monthly premium while still benefiting from the comprehensive coverage provided by Plan F.