If you agree to share some of the costs of your healthcare, Medicare Supplement Insurance Plan N* from Blue Cross and Blue Shield of Texas, A Division of Health Care Service Corporation is a practical choice. With 100 percent coverage for your Part A deductible, hospitalization coinsurance, foreign travel emergency care, skilled nursing co-payment, and more. This plan provides a workable solution for adding to your Original Medicare benefits. Here is a more detailed description of the benefits and costs you can expect.
Benefits
As a senior looking for dependable health care at a moderate price, Medicare Supplement Insurance Plan N may be the right choice. Provides full coverage for your Part A deductible ($1,600) and 100 percent of any hospitalization coinsurance after Medicare benefits end. That means on day 61 when Medicare stops paying. Pays the $400 a day through day 90 and $800 a day with Lifetime Reserve beyond day 91. This plan also covers 100 percent of all Medicare-eligible expenses in the hospital for an extra 365 days after Medicare benefits end. Plus, the first three pints of blood are covered 100 percent as well as foreign travel emergency care.
Your Texas Medicare benefits pay for the first 20 days of skilled nursing care in full. Medicare Supplement Insurance Plan N continues this coverage by paying for the remaining amount ($200 a day) for days 21-100. This plan also pays your full Medicare co-payment/coinsurance for hospice care.
Benefits Summary
- Part A deductible
- 100 percent of hospitalization coinsurance days 61-91
- Extra 365 days of hospital care after Medicare coverage ends
- 100 percent of the cost of the first three pints of blood
- 100 percent of the skilled nursing facility co-payment days 21-100
- Medicare co-payment/coinsurance for hospice care
- 80 percent of Foreign travel emergency care (after a $250 deductible, up to $50,000 lifetime)
What You Can Expect to Pay
With Medicare Supplement Insurance Plan N, you will be required to pay a monthly premium, your Medicare Part B deductible and excess charges, hospitalization costs beyond the additional 365 days after the Lifetime Reserve are used, all skilled nursing facility costs after 101 days, a $20 copayment for office visits, $50 copayment for emergency room visits and an annual $250 for foreign care along with 20 percent of costs up to a $ 50,000-lifetime benefit. With this plan, if you agree to use a hospital in the Medicare-approved network for non-emergency services, you will be eligible for a reduced premium.
