Medicare Supplement Plans

Plan F

Our Rating:

Plan F is the most popular Blue Cross Blue Shield of Illinois Medicare Supplement Insurance plan. No other standardized Medicare Supplement Insurance 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
  • $183 Part B Medicare deductible
  • Part B doctor charges that are in excess of Medicare-approved amounts

There is also a BCBSIL Medicare-Select Plan F that offers the same benefits as Standard Plan F but provides costs savings by agreeing to use a Medicare Select particpating hospital for non-emergencies. You may still see any doctor you choose with Medicare-Select plans.
If your hospital is part of the Medicare Select network, the Med-Select plan is a good option to consider.

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 2017 is $1316. This amount can change every year. You have to pay this deductible for each benefit period.
Plan F covers 100% of the $1,316 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 $183 in 2017) 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 $183 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 the remaining $161 per day for days 21-100. For days 101 and after, member is responsible for 100% of the costs.
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.
High Deductible Plan F

Our Rating:

High Deductible Plan F has the same benefits as Plan F after you pay an annual $2,140 deductible. The deductible amount represents the annual out-of-pocket expenses (excluding premiums) that you must pay before the policy begins paying benefits. By having a high deductible, your premiums are significantly lower than Standard Plan F.

High Deductible Plan F covers:

  • Your Part A deductible and coinsurance
  • Your Part B coinsurance and the cost of the first three pints of blood
  • Benefits from High Deductible Plan F will not begin until your out-of-pocket expenses total $2,200.
  • Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy.
  • These expenses include the Medicare deductibles for Part A and B.
  • These expenses do not include Plan F’s separate foreign travel emergency deductible.
  • Medicare Part A hospital deductible and copayments
  • Skilled nursing facility copayment
  • $183 Part B Medicare deductible
  • Part B doctor charges that are in excess of Medicare-approved amounts
  • The cost of 365 extra days of hospital care during your lifetime after Medicare coverage
Plan G

Our Rating:

Plan G covers:

  • Your $1,316 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
  • Foreign travel emergency care

Plan G does NOT cover:

  • Your $183 Medicare Part B deductible

There is also a BCBSIL Medicare-Select Plan G that offers the same benefits as Standard Plan G but provides costs savings by agreeing to use a Medicare Select participating hospital for non-emergencies. You may still see any doctor you choose with Medicare-Select plans. If your hospital is part of the Medicare Select network, the Med-Select plan is a good option to consider.

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 2017 is $1,316. This amount can change every year. You have to pay this deductible for each benefit period.
Plan G covers 100% of the $1,316 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 $183 in 2017) 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 $183 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 $161 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.
Plan K

Our Rating:

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 $5,120 annual out-of-pocket limit, the plan pays 100% of the Medicare copayments, coinsurance and deductibles for the rest of the calendar year.

There is also a BCBSIL Medicare-Select Plan K that offers the same benefits as Standard Plan K but provides costs savings by agreeing to use a Medicare Select participating hospital for non-emergencies. You may still see any doctor you choose with Medicare-Select plans. If your hospital is part of the Medicare Select network, the Med-Select plan is a good option to consider.

Plan K Benefits

Benefit What Plan K Covers
Part A Deductible
You may need this benefit if you have to stay in the hospital. The Part A deductible for 2017 is $1,316. This amount can change every year. You have to pay this deductible for each benefit period.
Plan K covers 100% of the $1,316 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 $183 in 2017) 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 $183 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 $183 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 $161 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 $183 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 $5,120 out of pocket limit
Plan L

Our Rating:

Plan L covers:

  • Seventy-five 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
  • Seventy-five percent of the skilled nursing facility copayment
  • Once you’ve reached your $2,560 annual out-of-pocket limit, the plan pays 100% of the Medicare copayments, coinsurance and deductibles for the rest of the calendar year.

There is also a BCBSIL Medicare-Select Plan L that offers the same benefits as Standard Plan L but provides costs savings by agreeing to use a Medicare Select participating hospital for non-emergencies. You may still see any doctor you choose with Medicare-Select plans. If your hospital is part of the Medicare Select network, the Med-Select plan is a good option to consider.

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 2017 is $1,316. This amount can change every year. You have to pay this deductible for each benefit period.
Plan L covers 100% of the $1,316 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 $183 in 2017) 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 $183 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 $183 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 $161 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 $183  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 $2,560 out of pocket limit
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 $183 Medicare Part B deductible.

Plan N covers:

  • Your $1,316 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
  • Foreign travel emergency care

Plan N does NOT cover:

  • Your $183 Medicare Part B deductible
  • Part B Medical Excess Charges – 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.

There is also a BCBSIL Medicare-Select Plan N that offers the same benefits as Standard Plan N but provides costs savings by agreeing to use a Medicare Select participating hospital for non-emergencies. You may still see any doctor you choose with Medicare-Select plans. If your hospital is part of the Medicare Select network, the Med-Select plan is a good option to consider.

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 2017 is $1,316. This amount can change every year. You have to pay this deductible for each benefit period.
Plan N covers 100% of the $1,316 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 $183 in 2017) 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 $183 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 $161 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.
Basic Plan A

Our Rating:

Basic Plan A covers:

  • Your Part A 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

Plan A Benefits

Benefit What Plan A Covers
Part A Deductible
You may need this benefit if you have to stay in the hospital. The Part A deductible for 2017 is $1,318. This amount can change every year. You have to pay this deductible for each benefit period.
Plan A does not cover the $1,316 deductible
Part A Coinsurance Hospital Benefits
Medicare requires you to pay your coinsurance on hospital expenses. This benefit generally pays all or part of your coinsurance for hospital stay.
Medicare pays for days 1- 60. Plan A covers
  • $296 a day for days 61-90
  • $592 a day for days 91-150

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 $183 in 2017) before Medicare starts to pay its share. If you have this benefit, the Medigap plan would pay this amount each year.Plan A does not cover the Medicare Part B $183 deductiblePart 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 A covers 20% of the remaining costs after you pay the $183  Part B deductible365 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 A covers all of the costs for an additional 365 additional hospital days3 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 A covers 100% of the costs of 3 pints of blood per calendar yearPart 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 A does not covers Part B Excess ChargesHospice 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 A does not cover hospice careForeign Travel Emergency
If you travel outside the United States, this benefit could save you money for emergency care.Plan A does not cover foreign travel emergenciesSkilled 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 A does not cover skilled nursingHome 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 A covers 20% of the remainder after the $183 Medicare Part B deductible.Out of Pocket Limit
The maximum costs you are responsible for in a calendar year.There is not out of pocket limit for Basic Plan A

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