A low cost, basic benefits plan, Medicare Supplement Plan B offers Illinois seniors peace of mind and confidence in supplemental coverage they can afford. With Plan B, you can count on having your Part A deductible covered, as well as 100 percent of your hospitalization coinsurance from days 61-90. Plan B also pays for an additional 365 days of hospital care after Medicare benefits end and 100 percent of the costs of the first three pints of blood. Plan B covers your coinsurance/copayment for hospice care and is a practical, easy way to supplement Medicare coverage. Here is a snapshot of Medicare Supplement Plan B in more detail.
Plan B Benefits
Medicare Part A helps pay for hospitalization expenses, but it doesn’t pay for everything and after day 60, you’re on your own. Medicare Supplement picks up where Original Medicare ends. For hospitalization, Medicare Supplement Plan B covers 100 percent of your Part A coinsurance from day 61 through day 90 ($304 a day) and the remainder owed after day 90 ($608 a day). Plan B also pays for all Medicare approved costs for an additional 365 days of hospitalization after your Medicare Lifetime Reserve benefits end. The costs for the first three pints of blood are covered 100 percent, and yourMedicare copay and coinsurance for hospice care are covered completely.
Medicare supplement plan B also helps cover some of the out-of-pocket costs of seeing a doctor, receiving outpatient care and other hospital services like surgical care or certain diagnostic tests. Even with Medicare, seniors typically must pay 20 percent for these services. Medicare Supplement Plan B covers these charges after your Part B deductible has been met, helping reduce your out-of-pocket expenses. Plan B also covers the remaining costs for home health care after your Part B deductible has been met. That means if you need to see a doctor, Plan B covers your coinsurance, or the remaining 20 percent of Medicare approved amounts.
- Part A deductible
- 100 percent of hospitalization coinsurance days 61-90
- 365 extra days of hospital care after Medicare coverage ends
- 100 percent of the cost of the first three pints of blood
- Medicare copayment/coinsurance for hospice care
What You Can Expect To Pay With Medicare Supplement Plan B
With Medicare Supplement Plan B, you will be responsible for paying a monthly premium, as well as your Part B deductible. You should expect to pay for any hospital care you receive beyond 365 extra days of hospital care after your Medicare Lifetime Reserve is used and any costs not covered by Medicare in a skilled nursing facility after 21 days. You may visit any Medicare-eligible hospital you choose. However, if you live within a 30-mile radius of a Medicare Select participating hospital and agree to use that hospital for non-emergency elective admissions, you can save on your premiums. low cost, basic benefits plan, Medicare Supplement Plan B is guaranteed renewable, meaning even if you get sick, as long as you pay your premium, your benefits can never be terminated and your Blue Cross Medicare Supplement Plan B is renewable, despite your health.