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 and have not applied for your Medicare benefits, you must do so before you can enroll in any Medicare Supplement plan.
BCBSNM offers you three benefit plans — A, B, and F — 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 2008 |
Expenses Covered by Our Plans | ||
| Plan A | Plan B | Plan F | |
|
PART A (Hospital Services*) |
|
X |
X |
|
$256 per day copayment for covered expenses for days 61-90 in hospital (totaling $7,680) |
X |
X |
X |
|
$512 per day copayment for covered expenses while you use your Lifetime Reserve (totaling $30,720)** |
X |
X |
X |
|
100% of Medicare allowable expenses for additional 365 days after Medicare hospital benefits stop completely |
X |
X |
X |
|
Calendar year blood deductible (charges for first three pints of blood) |
X |
X |
X |
|
$128 per day for days 21-100 in a Skilled Nursing Facility (totaling $10,240) |
|
|
X |
|
PART B (Physician's Care and Medical Services) |
|
|
X |
|
Coinsurance for medical expenses (25% of Medicare approved amount for preventive services and 20% for most others)† |
X |
X |
X |
|
100% of Medicare Part B excess charges (above Medicare approved amounts) |
|
|
X |
|
Coinsurance for durable medical equipment (20% of Medicare approved amount)† |
X |
X |
X |
|
ADDITIONAL EXPENSES not covered by Medicare |
|
|
X |
*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 $135 Part B deductible is met for Plans A and B; Plan F covers the Part B deductible.
††Foreign Travel Emergency covered at 80%; up to $50,000 lifetime maximum.
Already a member and have questions? Call 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 1-800-672-9700.
Learn More About Medicare Supplement
Benefit Information
FAQs
Downloadable Forms
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