Medicare Supplement Insurance — Plan B


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Medicare Supplement Plan B is a low-cost basic benefits plan. For more detailed information about cost, coverage and renewability, click on the sections below.

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Medicare Supplement insurance costs include monthly premium payments and may include deductibles, out-of-pocket expenses, copayments and coinsurance. Here is what you can expect to pay with Plan B:

  • Your Part B deductible
  • All hospitalization costs beyond the additional 365 days after the Lifetime Reserve are used
  • Costs not covered by Medicare after 21 days in a skilled nursing facility, and all costs after 101 days

For more information on costs, get a quick quote or refer to the Outline of Coverage.


  • Your Part A deductible
  • 100% of your hospitalization coinsurance from 61 through 90 days
  • The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
  • 100% of the cost of the first three pints of blood
  • Medicare copayment/coinsurance of hospice care
  • Although you can go to a Medicare-eligible hospital of your choice, 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.

More Plan Details

It’s important to know the critical features of the Medicare Supplement insurance plan you are considering. The Outline of Medicare Supplement Coverage document provides brief descriptions of the basic provisions of our Medicare Supplement insurance plans, as well as details on policy renewability, benefit exclusions and coverage limitations.


At Blue Cross and Blue Shield of New Mexico (BCBSNM), we understand your concerns about coverage continuity. We will never terminate or refuse to renew your Medicare Supplement insurance policy because of the condition of your health. However, to protect you and the rights of all policy holders, there are situations when a Medicare Supplement insurance plan may be terminated or a renewal refused:

  • Failure to pay
  • The Medicare Supplement insurance plan is discontinued (90 days notice given with an option to convert to any plan we offer)
  • Discovery of fraud or an intentional misrepresentation of facts (30 days prior written notice given)
  • If you no longer reside, live or work in an area where we are authorized to do business

For more information on renewability, see the Outline of Medicare Supplement Coverage that is available when you get a quote.


Services Medicare Pays Plan Pays You Pay
HOSPITALIZATION*: Semi-private room and board, general nursing, and miscellaneous services and supplies
First 60 days All but $1,216 $1,216
(Part A Deductible)
$0
61st through 90th day All but $304 $304 a day $0
91st day and after:
— While using 60 Lifetime Reserve days
— Once Lifetime Reserve days are used:
Additional 365 days

All but $608

$0


$608 a day

100% of Medicare-eligible expenses

$0

$0**
Beyond the additional 365 days $0 $0 All costs
SKILLED NURSING FACILITY CARE*: You must meet Medicare's requirements, including having been in a hospital for at least three days and entered a Medicare-approved facility within 30 days after leaving the hospital
First 20 days All approved amounts $0 $0
21st through 100th day All but $152 a day $0 Up to $152 a day
101st day and after $0 $0 All costs
BLOOD
First three pints $0 Three pints $0
Additional amounts 100% $0 $0
HOSPICE CARE: You must meet Medicare's requirements, including a doctor's certification of terminal illness
  All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care Medicare copayment/coinsurance $0

* A benefit period begins on the first day you receive services as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

** NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.


Services Medicare Pays Plan Pays You Pay
MEDICAL EXPENSES—IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physicians' services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment
First $147 of Medicare-approved amounts* $0 $0 $147
(Part B deductible)
Remainder of Medicare-approved amounts Generally 80% Generally 20% $0
PART B EXCESS CHARGES (above Medicare-approved amounts)
  $0 $0 All Costs
BLOOD
First three pints $0 All costs $0
Next $147 of Medicare-approved amounts* $0 $0 $147
(Part B deductible)
Remainder of Medicare-approved amounts 80% 20% $0
CLINICAL LABORATORY SERVICES—TESTS FOR DIAGONOSTIC SERVICES
  100% $0 $0

* Once you have been billed $147 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.


Services Medicare Pays Plan Pays You Pay
HOME HEALTH CARE MEDICARE-APPROVED SERVICES
— Medically necessary skilled care services and medical supplies 100% $0 $0
— Durable medical equipment
First $147 of Medicare-approved amounts*
$0 $0 $147
(Part B deductible)
— Durable medical equipment
Remainder of Medicare-approved amounts
80% 20% $0

* Once you have been billed $147 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.