If you agree to share some of the costs of your healthcare, Medicare Supplement Insurance Plan N* from Blue Cross and Blue Shield of Illinois is a practical choice. With 100 percent coverage for your Part A deductible, hospitalization coinsurance, foreign travel emergency care, skilled nursing co-payment, and more.
This plan provides full coverage for your Part A deductible ($1600) and 100 percent of any hospitalization coinsurance after Medicare benefits end. That means on day 61 when Medicare stops paying, this plan pays $400 a day through day 90 and $800 a day with Lifetime Reserve beyond day 91. Plan N also covers 100 percent of all Medicare-eligible expenses in the hospital for an extra 365 days after Medicare benefits end. Plus, the first three pints of blood are covered 100 percent as well as foreign travel emergency care. Your Medicare benefits pay for the first 20 days of skilled nursing care in full. This specific plan continues this coverage by paying for the remaining amount ($200.00 a day) for days 21-100. Also pays your full Medicare co-payment/coinsurance for hospice care.
With Plan N, you will be required to pay a monthly premium, your Medicare Part B deductible and excess charges, hospitalization costs beyond the additional 365 days after the Lifetime Reserve are used, all skilled nursing facility costs after 101 days, a $20 copayment for office visits, $50 copayment for emergency room visits and an annual $250 for foreign care along with 20 percent of costs up to a $ 50,000-lifetime benefit. With this plan, if you agree to use a hospital in the Medicare-approved network for non-emergency services, you will be eligible for a reduced premium.
Part A deductible ($1600)
100 percent of hospitalization coinsurance days 61-91
Extra 365 days of hospital care after Medicare coverage ends
100 percent of the cost of the first three pints of blood
100 percent of the skilled nursing facility co-payment days 21-100
Medicare copayment/coinsurance for hospice care
80 percent of Foreign travel emergency care (after a $250 deductible, up to $50,000 lifetime)