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Medicare Supplement Coverage

Medicare alone will not pay all your health care bills. Medicare Supplement insurance is designed to fill these "gaps" in standard Medicare plan coverage. This insurance can give you more coverage and reduce your out-of-pocket costs. If you're turning 65 or are disabled and have not applied for your Medicare benefits, you must do so before you can enroll in any Medicare Supplement plan. BCBSNM offers you five benefit plans — A, B, F, High Deductible Plan F, and N — with a range of premiums and coverage. We also offer outpatient prescription drug coverage through Blue MedicareRx, our separate Medicare prescription drug plans.

All plans include:

Six-month open enrollment period to enroll in the plan of your choice
Freedom to choose doctors and specialists
No referral required
Coverage when you travel
Your plan renews year after year, regardless of your health
Dollar for dollar coverage to match increased Medicare costs
Hassle-free claims filing — no paperwork in most cases

Some of our plans offer benefits not offered by Medicare such as skilled nursing expenses, foreign travel emergencies, and charges from health care providers in excess of Medicare's approved amount. Here's how our Medicare Supplement plans reduce your out-of-pocket expenses:

Benefits Medicare DOES NOT PAY in 2011	Expenses Covered by Our Plans
Benefits Medicare DOES NOT PAY in 2011	Plan A	Plan B	Plan F	High Deductible Plan F*	Plan N
Part A (Hospital Services)**
$1,132 Medicare Hospital Deductible		√	√	√	√
$283 per day copayment for covered expenses for days 61-90 in hospital (totaling $8,207)	√	√	√	√	√
$566 per day copayment for covered expenses while you use your Lifetime Reserve (totaling $33,960)***	√	√	√	√	√
100% of Medicare allowable expenses for additional 365 days after Medicare hospital benefits stop completely	√	√	√	√	√
Calendar year blood deductible (charges for first three pints of blood)	√	√	√	√	√
$141.50 per day for days 21-100 in a Skilled Nursing Facility (totaling $11,179)			√	√	√
Hospice Care (Medicare Part A)	√	√	√	√	√
PART B (Physician's Care and Medical Services)
$162 Part B Deductible			√	√
Coinsurance for medical expenses (25% of Medicare approved amount for preventive services and 20% for most others)^†	√	√	√	√	Generally 20% except up to $20 copayment for office visit & up to $50 ER
100% of Medicare Part B excess charges (above Medicare approved amounts)			√	√
Coinsurance for durable medical equipment (20% of Medicare approved amount) ^†	√	√	√	√	√
ADDITIONAL EXPENSES not covered by Medicare
Benefits for medically necessary emergency care received in a foreign country ^††			√	√	√

* Plan F also has an option called a high-deductible Plan F. This high-deductible plan pays the same or offers the same benefits as Plan F after one has paid a calendar year $2000 deductible. Benefits from high-deductible Plan F will not begin until out-of-pocket expenses are $2000. 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 Part B, but do not include the plan’s separate foreign travel emergency deductible.

** Hospital benefits must be provided by facilities participating with Medicare. Payments are limited to the reasonable charge as determined by Medicare.

*** After 90 days of hospitalization, Medicare benefits are paid from a one-time lifetime reserve of 60 additional days (days 91-150) which are not renewable each benefit period. See your Outline of Coverage for details and limitations of these benefits.

† After $162 Part B deductible is met for Plans A, B, F, High Deductible Plan F, and Plan N.

†† Foreign Travel Emergency covered at 80% after first $250 each is paid; up to $50,000 lifetime maximum.

Already a member and have questions? Call the local sales office at 505-816-2140 or customer service at 1-800-307-8144.

Not a member and have questions? If you want to obtain Medicare Supplement coverage, please call your broker or call BCBSNM Sales toll-free at 1-877-232-5532.

Tip for plan members: Add this page to your Favorites/Bookmarks list to keep your plan information handy.

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Need Assistance?

Medicare Supplement:

1-800-307-8144

Mon-Fri 8:00 am – 5:00 pm MT