Reliable, Affordable Plans from the Illinois Leader in Medicare Supplement Protection
With Blue Cross and Blue Shield of Illinois, you don't have to sacrifice comprehensive benefits or freedom-of-choice for affordability. Our Medicare Supplement plans provide substantial benefits at rates that can save you money over other plans.
Choose from Four Medicare Supplement Plans
Our two comprehensive plans, Plan D and preferred Plan F, pay the Medicare Part A hospital deductible and copayments, your skilled nursing facility copayment and for foreign travel emergency care. In fact, no other standardized Medicare Supplement plan offered in Illinois offers more complete protection for your uncovered Part B medical expenses than Plan F.
High deductible Plan F has the same benefits as Standard Plan F after the annual deductible has been paid. The deductible amount represents the annual out-of-pocket expenses (excluding premiums) that you must pay before the policy begins paying benefits.
Our Plan K and Plan L both include a cost-sharing feature that allows you to save substantially on premiums while still receiving dependable coverage. With these plans, you pay some costs for covered services under Medicare Part A and Part B and the plan pays the rest. Once your annual out-of-pocket expenses reach $4,140 with Plan K, or $2,070 with Plan L, the plan pays 100% of covered expenses for the remainder of the calendar year.
We also offer a basic Plan A.
Plan D 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
Important benefits for at-home care after a hospital stay in addition to the basic benefits
Preferred Plan F 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
$131 Part B Medicare deductible
Part B doctor charges that are in excess of Medicare-approved amounts
High Deductible Plan F covers:
High Deductible Plan F pays the same benefits as Plan F after you pay a calendar year deductible ($1,860 in 2007).
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 $1,860.
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
$131 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 ends
Our news plans K and L, were created as part of the 2003 Medicare Modernization Act. These plans are low-cost, cost-sharing Medicare supplement plans that require you to pay a higher percentage of the costs in return for reduced premiums.
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 $4,140 annual out-of-pocket limit, the plan pays 100% of the Medicare copayments, coinsurance and deductibles for the rest of the calendar year.
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 $2,070 annual out-of-pocket limit, the plan pays 100% of the Medicare copayments, coinsurance and deductibles for the rest of the calendar year.
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
Medicare pays as it would with any supplement. You pay what Medicare doesn’t pay each year until your out-of-pocket expenses (total of your payments) equals the deductible. The Medicare Supplement then begins to pay according to its normal schedule of benefits.
In addition, all Blue Cross and Blue Shield of Illinois Medicare Supplement plans give you:
Guaranteed Acceptance* with no health questions asked
Freedom to choose any doctors or specialists
Coverage with domestic travel (Plans D and F cover foreign travel)
Guaranteed renewability regardless of changes in your health
Coverage guaranteed to match Medicare's cost increases year after year
Exclusive Members First® Discount Program
No claim forms, in most cases
Excellent Customer Service (toll-free, Monday through Friday, 7 a.m. to 7 p.m.)
*Must be an Illinois resident, age 65 or over with Medicare Parts A and B.
Consider Our Money-Saving Med-Select Option
Our Plan D, Plan F, Plan K and Plan L Med-Select options offer you the same solid benefits as our "standard" plans, but cost less. You save on premiums simply by agreeing to use any of our Med-Select participating hospitals for non-emergency elective admissions. If you do not use one of these hospitals for your non-emergency admissions, you pay the $992 Part A deductible. Med-Select is not an HMO. With Med-Select, you are fully covered for emergency care at any hospital, and you can choose your own doctors and specialists.
Med-Select is available in specific geographic areas only. You must live within a 30 mile radius of a Med-Select participating hospital.
Reliable, Affordable Plans from the Illinois Leader in Medicare Supplement Protection