Medicare Select Hospitals

Medicare Select Hospital Listing

Medicare Select Plans are available in specific geographic areas only, and you must live within a 30 mile radius of a Medicare Select participating hospital listed below to enroll in a Medicare Select plan.


Medicare Select Plans – Hospital Listing (by city)
City Hospital City Hospital
Aledo Mercer County Hospital Arlington Heights Northwest Community Hospital
Aurora Provena-Mercy Center
Rush Copley Medical Center
Hinsdale Adventist Hinsdale Hospital
Barrington Advocate – Good Shepherd Hoffman Estates St. Alexius Hospital
Alexian Brothers Behavioral Health
Berwyn MacNeal Memorial Hospital Joliet Provena St Joseph Medical Center
Silver Cross Hospital
Bolingbrook Adventist Bolingbrook Kankakee Provena St. Mary’s Hospital
Riverside Medical Center
Canton Graham Hospital Association LaGrange Adventist LaGrange Memorial Hospital
Chicago Advocate – Illinois Masonic Medical Center
Advocate – Trinity Hospital
Aurora Columbia Chicago Lakeshore Hospital
Holy Cross Hospital
Jackson Park Hospital
John H. Stroger Hospital
Louis A. Weiss Memorial Hospital
Mercy Hospital and Medical Center
Mount Sinai Hospital and Medical Center
Neurologic and Orthopedic Institute of Chicago
Northwestern Memorial Hospital
Norwegian American Hospital
Our Lady of the Resurrection Medical Center
Provident Hospital of Cook Country
Rehabilitation Institute of Chicago
Resurrection Hospital
RML Specialty Hospital
Roseland Community Hospital
Schwab Rehabilitation Hospital
St. Anthony Hospital
St. Elizabeth Hospital
Saint Joseph Health Center
St. Mary of Nazareth Hospital
Swedith Covenant Hospital
Thorek Hospital
University of Chicago Medical Center
University of Illinois Hospital
Chicago Heights St. James Hospital – Chicago Heights Campus Maywood Loyola University Medical Center
Clinton Dr John Warner Hospital Melrose Park Gottlieb Memorial Hospital
Westlake Community Hospital
Danville Provena United Samaritan Medical Center Moline Trinity Medical Center
Decatur Decatur Memorial Hospital
St Mary’s Hospital
Naperville Edward Hospital
Des Plaines Holy Family Medical Center Oak Forest Oak Forest Hospital of Cook County
Downers Grove Advocate – Good Samaritan Hospital Oak Lawn Advocate – Christ Hospital
East St. Louis Kenneth Hall Hospital
Touchette Regional Hospital
Oak Park Rush Oak Park Hospital
West Suburban Hospital
Elgin Provena St. Joseph Hospital Olympia Fields St James Hospital
Elk Grove Villiage Alexian Brothers Hospital Palos Heights Palos Community Hospital
Evanston Northshore University – Evanston St Francis Hospital Park Ridge Advocate – Lutheran General Hospital
Evergreen Park Little Company of Mary Hospital Pekin Pekin Hospital
Forest Park Riveredge Hospital Peoria Proctor Hospital
St Francis Hospital Medical Center
Galesburg St. Mary’s Hospital Pontiac St. James Hospital
Glendale Heights Adventist Glenoaks Hospital Rockford St. Anthony’s Hospital
Van Matre Health South Rehabilitation Center
Glenview North Short University – Glenbrook Silvis Illini Hospital
Harvey Ingalls Memorial Hospital Skokie Skokie Hospital
Hazel Crest Advocate – South Suburban Hospital Springfield St. John’s Hospital
Memorial Medical Center
Highland Park North Shore University – Highland Park Taylorville Taylorville Memorial Hospital
Hinsdale Adventist Hinsdale Hospital Urbana Provena Covenant Medical Center Urbana
Wheaton Marianjoy Rehabilitation Hospital

**Med-Select hospital list is subject to change. Always verify the network status with BCBSIL or the hospital before receiving treatment.

Why You Need a Medicare Supplement Insurance Plan

Medicare is a federal program to help older Americans and some disabled Americans pay for the high cost of health care. However, Medicare was never intended to cover all your health care costs. So even if you’re covered by Medicare, you are still responsible for a large portion of your health care costs. Without a Medicare Supplement insurance plan, your out-of-pocket costs could add up to more than $57,424 this year alone.

What Medicare Doesn’t Cover

Medicare does not cover all health care costs. Medicare coverage consists of Part A (which covers hospital and skilled nursing facility care), and Part B (which covers doctor bills and other medical expenses).

Even with Medicare Part A and Part B coverage, you’re responsible for some out-of-pocket expenses including:

(Here are the 2017 deductibles):

  • Part A hospital deductible ($1,316)
  • Part B deductible ($183)
  • Copayments for hospital stays over 60 days
  • Care in a skilled nursing facility after 20 days
  • Twenty percent coinsurance for doctor bills and other medical expenses

By law, Medicare Supplement insurance plans are standardized into twelve plans (Plans A through L). That means Plan F from one company must include the same benefits as plan F from another company. While the benefits must be the same, each company’s rates, reputation, membership features and quality of service can vary. With Blue Cross and Blue Shield of Illinois, you don’t have to sacrifice comprehensive benefits or freedom-of-choice for affordability. Their Medicare Supplement plans provide substantial benefits at rates that can save you money over other plans.

Blue Cross Blue Shield of Illinois Member Benefits

All Blue Cross and Blue Shield of Illinois Medicare Supplement Insurance plans give you:

  • Guaranteed Acceptance with no health questions asked
  • Freedom to choose any doctors or specialists
  • Coverage with domestic travel (Plans F, HD-F, G, and N cover foreign travel)
  • Guaranteed renewability regardless of changes in your health
  • Coverage guaranteed to match Medicare’s cost increases year after year
  • Blue Extras Member Discount Program that include discounts on wellness products and services including vision, fitness clubs, weight management, complementary alternative medicine, hearing and more
  • No claim forms, in most cases

Medicare Supplement Insurance Plan Basic Benefits

Basic benefits included in all plans include:

  • Hospitalization – Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
  • Medical Expenses – Part B coinsurance (generally 20% of Medicare-approved expenses), or in the case of hospital outpatient department services under a prospective payment system, applicable copayments.
  • Blood – First three pints of blood each year.

*Plans K and L include benefits at different levels of cost sharing (see outline of coverage).

Premier Plans

  • Of all available standardized plans, Plans F and Plan G offer the most complete protection for uncovered Medicare Part B excess charges. These are the most popular plans because they also pay the Medicare Part A hospital deductible and copayments, skilled nursing facility copayment and foreign travel emergency care.
  • Plans F also covers the Medicare Part B deductible.

Budget-Conscious Plans

High Deductible Plan F, Plan K, Plan L and Plan N include cost-sharing features that allow you to save on premiums while still receiving dependable coverage.

  • High Deductible Plan F features a $2,200 annual deductible (2017) before plan benefits begin
  • Plan N features an office visit and emergency room copayment applicable to each visit
  • Plans K and Plan L feature cost sharing for covered services under Medicare Part A and Part B. Once your annual out-of-pocket expenses reach the required limit, the plan pays 100% of covered expenses for the remainder of the calendar year.

If you are seeking the most basic benefit plan with the lowest cost, BCBSIL offers Medicare Supplement Plan A. For more detailed explanations on all the available BCBSIL Medicare Supplement plans and benefits, you can Compare BCBSIL Medicare Supplement Insurance Plans.

BCBSIL Medicare Supplement Insurance Plans – Quick Comparison Table

Plans A F, HD-F* G K** L** N
Basic Benefits X X X X X X
Skilled Nursing Coinsurance X X 50% 75% X
Part A Deductible X X X 50% 75% X
Part B Deductible X
Part B Excess (100%) X X
Foreign Travel Emergency X X X
At Home Recovery
Annual Out-of-Pocket Cost $0 $0 $5,120 $2,560 $0

*Plan F also has an option called high deductible Plan F (HD-F). This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2,200 deductible. Benefits from high deductible Plan F will not begin until out-of-pocket expenses exceed $2,200. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare Part A and Medicare Part B deductibles, but do not include the plan’s separate foreign travel emergency deductible.

**Plans K and L provide for different cost-sharing than plans A-F. Once you reach the annual limit, the plan pays 100% of the Medicare copayments, coinsurance and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges from your provider that exceed Medicare-approved amounts, called “excess charges.” You will be responsible for paying excess charges.

Part B medical excess: Charges from your provider that exceed Medicare-approved amounts. Only Plan F, High Deductible Plan F, and Plan G cover these charges. For all other plans, you are responsible for paying excess charges. In no case can a provider charge more than 115% of the Medicare approved amount.

Skilled nursing coinsurance: Medicare pays the first 20 days of treatment in a skilled nursing facility, and an annually adjusted per diem for the 21st through 100th day. Plans with this benefit pay an additional annually adjusted per diem for the 21st through 100th day. You are responsible for all charges after the 100th day. In order to receive any Skilled Nursing Facility benefits, you must meet Medicare’s requirements:

  • You were admitted to a hospital for at least three days
  • You were admitted to a Medicare-approved skilled nursing facility within 30 days of leaving the hospital

Foreign travel emergency: Medically necessary emergency care services beginning during the first 60 days of each trip outside of the United States. All plans offering this benefit require you to pay a foreign travel emergency deductible and a percent of costs after the deductible is met.

Preventive care: Some annual physical and preventive tests and services administered or ordered by your doctor when not covered by Medicare.

Reduced Premium Medicare Select Option

Med-Select Options

Plan F, Plan G, Plan K, Plan L, and Plan N Med-Select options offer you the same solid benefits as the “standard” plans, but cost less. You save on premiums simply by agreeing to use any of the Med-Select participating hospitals for non-emergency elective admissions. If you do not use one of these hospitals for your non-emergency admissions, you pay the $1,316 Part A deductible. Med-Select is not an HMO. With Med-Select, you are fully covered for emergency care at any hospital, and you can choose your own doctors and specialists.

Med-Select is available in specific geographic areas only. You must live within a 30 mile radius of a Med-Select participating hospital.

Basic Benefit Options Premier Plan Options Budget-Conscious Plan Options
Plan A Plan B Plan C Plan F Plan G High Deductible
Plan F
Plan K* Plan L* Plan N*
Reduced Premium Medicare Select Option Available (eligibility based on ZIP code)
Basic Benefits 100% 100% 100% 100% 100% 100% 100%/50% 100%/75%
copay
applies
Skilled Nursing Coinsurance 100% 100% 100% 100% 50% 75% 100%
Part A Deductible 100% 100% 100% 100% 100% 50% 75% 100%
Part B Deductible 100% 100% 100%
Part B Excess 100% 100% 100%
Foreign Travel Emergency Care
Annual Out of Pocket Limit** $5,120 $2,560

 

*Plans K-N provide for different cost-sharing than plans A-G.
Plans K and L pay 100% of hospitalization and preventive care Basic Benefits. All other Basic Benefits are paid at 50% (Plan K) and 75% (Plan L). Once you reach the annual limit, the plan pays 100% of the Medicare copayments, coinsurance and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges from your provider that exceed Medicare-approved amounts, called “excess charges.” You are responsible for paying excess charges.
Plan N covers Basic Benefits after a $20 copay for office visits and a $50 copay for emergency room visits.
**The out-of-pocket annual limit may increase each year for inflation. (2016 limits shown)
† Network restrictions apply

Medicare Select Plans

Blue Cross and Blue Shield of Illinois Medicare Select Plan options offer you the same solid benefits as the standard Blue Cross Blue Shield of Illinois Medicare Standard Supplement Plans, but cost less. You save on premiums simply by agreeing to use any of the Medicare Select participating hospitals for non-emergency elective admissions as defined by the admitting hospital. If you do not use one of these hospitals for your non-emergency admissions, you pay the full Part A deductible. Medicare Select is not an HMO. With Medicare Select, you are fully covered for emergency care at any hospital, and you can choose your own doctors and specialists.

Medicare Select Plan options include Plan F, Plan G, Plan K, Plan L, and Plan N and are available in specific geographic areas only. You must live within a 30 mile radius of a Medicare Select participating hospital.


Medicare Select Plan Comparison
Medicare Select Plans F G K** L** N
Basic Benefits X X X X X
Skilled Nursing Coinsurance X X 50% 75% X
Part A Deductible X X 50% 75% X
Part B Deductible X
Part B Excess (100%) X X X
Foreign Travel Emergency X X X
At Home Recovery
Annual Out-of-Pocket Cost $0 $0 $4,640 $2,320 $0

**Plans K and L provide for different cost-sharing than plans A-F. Once you reach the annual limit, the plan pays 100% of the Medicare copayments, coinsurance and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges from your provider that exceed Medicare-approved amounts, called “excess charges.” You will be responsible for paying excess charges.


Medicare Select Plan F

Our Rating:

Plan F is the most popular Blue Cross Blue Shield of Illinois Medicare Supplement plan. No other standardized Medicare Supplement plan offered in Illinois offers more complete protection for your uncovered Part B medical expenses than Plan F. It covers:

  • Your Part A deductible and coinsurance
  • The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
  • Your Part B coinsurance and the cost of the first three pints of blood
  • Medicare Part A hospital deductible and copayments
  • Skilled nursing facility copayment
  • Foreign travel emergency care
  • $147 Part B Medicare deductible
  • Part B doctor charges that are in excess of Medicare-approved amounts

Medicare Select Plan F Benefits

Benefit What Plan F Covers
Part A Deductible
You may need this benefit if you have to stay in the hospital. The Part A deductible for 2014 is $1,216. This amount can change every year. You have to pay this deductible for each benefit period.
Plan F covers 100% of the $1,216 deductible.
Part B Deductible
You may want to consider this benefit if you have Medicare Part B. Each year you must pay the Part B deductible (which is $147 in 2014) before Medicare starts to pay its share. If you have this benefit, the Medigap plan would pay this amount each year.
Plan F covers 100% of the $147 deductible.
Part B Coinsurance
Without this benefit, you generally pay 20% of the Medicare-approved amount for Medicare Part B covered services and supplies (like doctor services and outpatient hospital care). This benefit will help you to reduce your out of pocket after Part B deductible.
Plan F covers all of the 20% remainder costs
365 Extra Days of Hospital Stay
After you use all Medicare hospital benefits, you can receive up to 365 more days for hospital stays during your lifetime.
Plan F covers all of the costs for an additional 365 additional hospital days
3 Pints of Blood
The first 3 pints of blood or equal amounts of packed red blood cells per calendar year, unless this blood is replaced.
Plan F covers all of the costs of 3 pints of blood per calendar year
Part B Excess Charges
Under federal law, doctors who don’t accept “assignment ” (take Medicare’s approved amount as payment in full) may charge up to 15% more than the approved amount. You might want to think about this benefit if your doctors don’t accept assignment. You may also want this benefit if you have to stay in the hospital and can’t control whether the doctors you see accept assignment.
Plan F covers 100% of the excess charges
Foreign Travel Emergency
If you travel outside the United States, this benefit could save you money for emergency care.
Plan F covers 80% (after a $250 deductible) to a lifetime maximum benefit of $50,000.
Skilled Nursing Coinsurance
Medicare pays for the first 20 days of a skilled nursing facility. If you need to go to a Skilled Nursing Facility (SNF) after a hospital stay and stay in the SNF longer than 20 days, this benefit begins.
Plan F covers up to $148 per day for days 21-100.
Home Health Care
Home Health Care is skilled nursing care and certain other health care services you get in your home for the treatment of an illness or injury.
Plan F covers the 20% remainder not paid by Medicare Part B.
Medicare Select Plan G

Our Rating:

Plan G covers:

  • Your $1,216 Part A deductible and coinsurance
  • The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
  • Your Part B coinsurance and the cost of the first three pints of blood
  • 80% of Part B physician charges that are in excess of the Medicare-approved amount (By law no physician may charge more than 115% of Medicare-approved amounts).
  • Skilled nursing facility copayment
  • Emergency care for foreign travel

Plan G does NOT cover:

  • Your $147 Medicare Part B deductible

Medicare Select Plan G Benefits

Benefit What Plan G Covers
Part A Deductible
You may need this benefit if you have to stay in the hospital. The Part A deductible for 2014 is $1,216. This amount can change every year. You have to pay this deductible for each benefit period.
Plan G covers 100% of the $1,216 deductible.
Part B Deductible
You may want to consider this benefit if you have Medicare Part B. Each year you must pay the Part B deductible (which is $147 in 2014) before Medicare starts to pay its share. If you have this benefit, the Medigap plan would pay this amount each year.
Plan G does NOT cover the $147 Part B deductible, you must pay out of pocket.
Part B Coinsurance
Without this benefit, you generally pay 20% of the Medicare-approved amount for Medicare Part B covered services and supplies (like doctor services and outpatient hospital care). This benefit will help you to reduce your out of pocket after Part B deductible.
Plan G covers 100% of the 20% remainder costs
365 Extra Days of Hospital Stay
After you use all Medicare hospital benefits, you can receive up to 365 more days for hospital stays during your lifetime.
Plan G covers all of the costs for an additional 365 additional hospital days
3 Pints of Blood
The first 3 pints of blood or equal amounts of packed red blood cells per calendar year, unless this blood is replaced.
Plan G covers all of the costs of 3 pints of blood per calendar year
Part B Excess Charges
Under federal law, doctors who don’t accept “assignment ” (take Medicare’s approved amount as payment in full) may charge up to 15% more than the approved amount. You might want to think about this benefit if your doctors don’t accept assignment. You may also want this benefit if you have to stay in the hospital and can’t control whether the doctors you see accept assignment.
Plan G covers 100% of the excess charges
Foreign Travel Emergency
If you travel outside the United States, this benefit could save you money for emergency care.
Plan G covers 80% (after a $250 deductible) to a lifetime maximum benefit of $50,000.
Skilled Nursing Coinsurance
Medicare pays for the first 20 days of a skilled nursing facility. If you need to go to a Skilled Nursing Facility (SNF) after a hospital stay and stay in the SNF longer than 20 days, this benefit begins.
Plan G covers up to $148 per day for days 21-100.
Home Health Care
Home Health Care is skilled nursing care and certain other health care services you get in your home for the treatment of an illness or injury.
Not covered.
Medicare Select Plan K

Our Rating:

Medicare Select Plan K covers:

  • Fifty percent of your Part A deductible and coinsurance
  • The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
  • Preventive benefits for Medicare-covered services usually leave you with 25% to pay — plan K pays that 25%
  • Ten percent of your 20% Part B coinsurance and the 50% of the cost of the first three pints of blood
  • Fifty percent of the skilled nursing facility copayment
  • Once you’ve reached your $4,640 annual out-of-pocket limit, the plan pays 100% of the Medicare copayments, coinsurance and deductibles for the rest of the calendar year.

Medicare Select Plan K Benefits

Benefit What Medicare Select Plan K Covers
Part A Deductible
You may need this benefit if you have to stay in the hospital. The Part A deductible for 2014 is $1,216. This amount can change every year. You have to pay this deductible for each benefit period.
Plan K covers 100% of the $1,216 deductible
Part B Deductible
You may want to consider this benefit if you have Medicare Part B. Each year you must pay the Part B deductible (which is $147 in 2014) before Medicare starts to pay its share. If you have this benefit, the Medigap plan would pay this amount each year.
Plan K does not cover the Medicare Part B $147 deductible
Part B Coinsurance
Without this benefit, you generally pay 20% of the Medicare-approved amount for Medicare Part B covered services and supplies (like doctor services and outpatient hospital care). This benefit will help you to reduce your out of pocket after Part B deductible.
Plan K covers 10% of the remaining costs after you pay the $147 Part B deductible
365 Extra Days of Hospital Stay
After you use all Medicare hospital benefits, you can receive up to 365 more days for hospital stays during your lifetime.
Plan K covers all of the costs for an additional 365 additional hospital days
3 Pints of Blood
The first 3 pints of blood or equal amounts of packed red blood cells per calendar year, unless this blood is replaced.
Plan K covers 50% of the costs of 3 pints of blood per calendar year
Part B Excess Charges
Under federal law, doctors who don’t accept “assignment” (take Medicare’s approved amount as payment in full) may charge up to 15% more than the approved amount. You might want to think about this benefit if your doctors don’t accept assignment. You may also want this benefit if you have to stay in the hospital and can’t control whether the doctors you see accept assignment.
Plan K does not covers Part B Excess Charges
Hospice Care
Hospice is a special way of caring for people who are terminally ill and for their families. This care includes physical care and counseling. The goal of hospice is to care for you and your family, not to cure your illness.
Plan K covers 50% of your copay
Foreign Travel Emergency
If you travel outside the United States, this benefit could save you money for emergency care.
Plan K does not cover foreign travel emergencies
Skilled Nursing Coinsurance
Medicare pays for the first 20 days of a skilled nursing facility. If you need to go to a Skilled Nursing Facility (SNF) after a hospital stay and stay in the SNF longer than 20 days, this benefit begins.
Plan K covers up to 50% of $148 per day for days 21-100.
Home Health Care
Home Health Care is skilled nursing care and certain other health care services you get in your home for the treatment of an illness or injury.
Plan K covers 10% of the remainder after the $147 Medicare Part B deductible.
Out of Pocket Limit
The maximum costs you are responsible for in a calendar year.
Plan K will cover 100% of all costs if you reach the $4,640 out of pocket limit
Medicare Select Plan L

Our Rating:

Plan L covers:

  • 75% percent of your Part A deductible and coinsurance
  • The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
  • Preventive benefits for Medicare-covered services usually leave you with 25% to pay — plan L pays that 25%
  • Fifteen percent of your 20% Part B coinsurance and the 75% of the cost of the first three pints of blood
  • 75% percent of the skilled nursing facility copayment
  • Once you’ve reached your $2,320 annual out-of-pocket limit, the plan pays 100% of the Medicare copayments, coinsurance and deductibles for the rest of the calendar year.

Medicare Select Plan L Benefits

Benefit What Plan L Covers
Part A Deductible
You may need this benefit if you have to stay in the hospital. The Part A deductible for 2014 is $1,216. This amount can change every year. You have to pay this deductible for each benefit period.
Plan L covers 100% of the $1,216 deductible
Part B Deductible
You may want to consider this benefit if you have Medicare Part B. Each year you must pay the Part B deductible (which is $147 in 2014) before Medicare starts to pay its share. If you have this benefit, the Medigap plan would pay this amount each year.
Plan L does not cover the Medicare Part B $147 deductible
Part B Coinsurance
Without this benefit, you generally pay 20% of the Medicare-approved amount for Medicare Part B covered services and supplies (like doctor services and outpatient hospital care). This benefit will help you to reduce your out of pocket after Part B deductible.
Plan L covers 15% of the remaining costs after you pay the $147 Part B deductible
365 Extra Days of Hospital Stay
After you use all Medicare hospital benefits, you can receive up to 365 more days for hospital stays during your lifetime.
Plan L covers all of the costs for an additional 365 additional hospital days
3 Pints of Blood
The first 3 pints of blood or equal amounts of packed red blood cells per calendar year, unless this blood is replaced.
Plan L covers 75% of the costs of 3 pints of blood per calendar year
Part B Excess Charges
Under federal law, doctors who don’t accept “assignment” (take Medicare’s approved amount as payment in full) may charge up to 15% more than the approved amount. You might want to think about this benefit if your doctors don’t accept assignment. You may also want this benefit if you have to stay in the hospital and can’t control whether the doctors you see accept assignment.
Plan L does not covers Part B Excess Charges
Hospice Care
Hospice is a special way of caring for people who are terminally ill and for their families. This care includes physical care and counseling. The goal of hospice is to care for you and your family, not to cure your illness.
Plan L covers 75% of your copay
Foreign Travel Emergency
If you travel outside the United States, this benefit could save you money for emergency care.
Plan L does not cover foreign travel emergencies
Skilled Nursing Coinsurance
Medicare pays for the first 20 days of a skilled nursing facility. If you need to go to a Skilled Nursing Facility (SNF) after a hospital stay and stay in the SNF longer than 20 days, this benefit begins.
Plan L covers up to 75% of $148 per day for days 21-100.
Home Health Care
Home Health Care is skilled nursing care and certain other health care services you get in your home for the treatment of an illness or injury.
Plan L covers 15% of the remainder after the $147 Medicare Part B deductible.
Out of Pocket Limit
The maximum costs you are responsible for in a calendar year.
Plan L will cover 100% of all costs if you reach the $2,320 out of pocket limit
Medicare Select Plan N

Our Rating:

Plan N is identical to Plan G except there is a $20 copay for office visits and a $50 copay for emergency room visits. Like Plan G, Plan N does not cover the $147 Medicare Part B deductible.

Plan N covers:

  • Your $1,216 Part A deductible and coinsurance
  • The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
  • Your Part B coinsurance and the cost of the first three pints of blood
  • 80% of Part B physician charges that are in excess of the Medicare-approved amount (By law no physician may charge more than 115% of Medicare-approved amounts).
  • Skilled nursing facility copayment
  • Emergency care for foreign travel

Plan N does NOT cover:

  • Your $147 Medicare Part B deductible

Medicare Select Plan N Benefits

Benefit What Plan N Covers
Part A Deductible
You may need this benefit if you have to stay in the hospital. The Part A deductible for 2014 is $1,216. This amount can change every year. You have to pay this deductible for each benefit period.
Plan N covers 100% of the $1,216 deductible.
Part B Deductible
You may want to consider this benefit if you have Medicare Part B. Each year you must pay the Part B deductible (which is $147 in 2014) before Medicare starts to pay its share. If you have this benefit, the Medigap plan would pay this amount each year.
Plan N does NOT cover the $147 Part B deductible, you must pay out of pocket.
Part B Coinsurance
Without this benefit, you generally pay 20% of the Medicare-approved amount for Medicare Part B covered services and supplies (like doctor services and outpatient hospital care). This benefit will help you to reduce your out of pocket after Part B deductible.
Plan N covers 100% of the 20% remainder costs after a $20 office visit copay and $50 emergency room copay
365 Extra Days of Hospital Stay
After you use all Medicare hospital benefits, you can receive up to 365 more days for hospital stays during your lifetime.
Plan N covers all of the costs for an additional 365 additional hospital days
3 Pints of Blood
The first 3 pints of blood or equal amounts of packed red blood cells per calendar year, unless this blood is replaced.
Plan N covers all of the costs of 3 pints of blood per calendar year
Part B Excess Charges
Under federal law, doctors who don’t accept “assignment” (take Medicare’s approved amount as payment in full) may charge up to 15% more than the approved amount. You might want to think about this benefit if your doctors don’t accept assignment. You may also want this benefit if you have to stay in the hospital and can’t control whether the doctors you see accept assignment.
Plan N covers 100% of the excess charges
Foreign Travel Emergency
If you travel outside the United States, this benefit could save you money for emergency care.
Plan N covers 80% (after a $250 deductible) to a lifetime maximum benefit of $50,000.
Skilled Nursing Coinsurance
Medicare pays for the first 20 days of a skilled nursing facility. If you need to go to a Skilled Nursing Facility (SNF) after a hospital stay and stay in the SNF longer than 20 days, this benefit begins.
Plan N covers up to $148 per day for days 21-100.
Home Health Care
Home Health Care is skilled nursing care and certain other health care services you get in your home for the treatment of an illness or injury.
Plan N covers the 20% remainder not paid by Medicare Part B.

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