Blue Cross Blue Shield of Tx Medicare Plan F
Blue Cross Blue Shield of Texas Medicare Supplement Plans
BCBSTX offers a choice of 6 Medicare Supplement Insurance plans; Plan A, Plan F, Plan G, Plan N, Plan K, and Plan L.
- Plan F and Plan G pay the Medicare Part A hospital deductible and co-payment(s), the skilled nursing facility copayment(s) and emergency care for foreign travel.
- Plans K and L are low-cost, cost-sharing Medicare Supplement Insurance plans that require you to pay a higher percentage of the costs in return for reduced premiums.
- BCBSTX also offers basic Plan A, the plan with the lowest benefits.
| Plans | A | F, HD-F* | G | K** | L** | N |
|---|---|---|---|---|---|---|
| Basic Benefits | X | X | X | X | X | X |
| Skilled Nursing Coinsurance | – | X | X | 50% | 75% | X |
| Part A Deductible | – | X | X | 50% | 75% | X |
| Part B Deductible | – | X | – | – | – | – |
| Part B Excess (100%) | – | X | X | – | – | X |
| Foreign Travel Emergency | – | X | X | – | – | X |
| At Home Recovery | – | – | – | – | – | – |
| Annual Out-of-Pocket Cost | – | – | – | $4,640 | $2,320 | $0 |
*Plan F also has an option called high deductible Plan F (HD-F). This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2,490 deductible. Benefits from high deductible Plan F will not begin until out-of-pocket expenses exceed $2,490. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare Part A and Medicare Part B deductibles, but do not include the plan's separate foreign travel emergency deductible.
**Plans K and L provide for different cost-sharing than plans A-F. Once you reach the annual limit, the plan pays 100% of the Medicare copayments, coinsurance and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges from your provider that exceed Medicare-approved amounts, called "excess charges." You will be responsible for paying excess charges.
Medicare-Select Options
Plan F, Plan G, Plan K, Plan L, and Plan N Med-Select options offer you the same benefits as the "standard" plans, but cost less. You save on premiums simply by agreeing to use any of the 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 $1,556 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 Medicare-Select participating hospital.
Plan F
Plan F is the most popular Blue Cross Blue Shield of Texas Medicare Supplement plan. No other standardized Medicare Supplement plan offered in Texas offers more complete protection for your uncovered Part B medical expenses than Plan F.
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
- $233 Part B Medicare deductible
- Part B doctor charges that are in excess of Medicare-approved amounts
There is also a BCBSTX Medicare-Select Plan F that offers the same benefits as Standard Plan F but provides costs savings by agreeing to use a Medicare Select participating hospital for non-emergencies. You may still see any doctor you choose with Medicare-Select plans. If your hospital is part of the Medicare Select network, the Med-Select plan is a good option to consider.
High Deductible F
High Deductible Plan F has the same benefits as Plan F after you pay an annual [HD-F Ded] deductible. The deductible amount represents the annual out-of-pocket expenses (excluding premiums) that you must pay before the policy begins paying benefits. By having a high deductible, your premiums are significantly lower than Standard Plan F. High Deductible Plan F covers:
- 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 [HD-F Ded]
- 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
- $233 Part B Medicare deductible (The Part B deductible is included in the HD-F [HD-F Ded] 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
Plan G
Plan G covers:
- Your $1,556 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
- 80% of Part B physician charges that are in excess of the Medicare-approved amount (By law no physician may charge more than 115% of Medicare-approved amounts).
- Skilled nursing facility copayment
- Foreign travel emergency care
Plan G does NOT cover:
- Your $233 Medicare Part B deductible
There is also a BCBSTX Medicare-Select Plan G that offers the same benefits as Standard Plan G but provides costs savings by agreeing to use a Medicare Select participating hospital for non-emergencies. You may still see any doctor you choose with Medicare-Select plans. If your hospital is part of the Medicare Select network, the Med-Select plan is a good option to consider.
Plan N
Online Application
Plan N is identical to Plan G except there is a $20 copay for office visits and a $50 copay for emergency room visits. Like Plan G, Plan N does not cover the Medicare Part B deductible. Plan N 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
- 80% of Part B physician charges that are in excess of the Medicare-approved amount (By law no physician may charge more than 115% of Medicare-approved amounts).
- Skilled nursing facility copayment
- Foreign travel emergency care
Plan N does NOT cover:
- Your $233 Medicare Part B deductible
- Part B Medical Excess Charges; charges from your provider that exceed Medicare-approved amounts. Only Plan F, High Deductible Plan F, and Plan G cover these charges. For all other plans, you are responsible for paying excess charges. In no case can a provider charge more than 115% of the Medicare approved amount.
Compare Rates
Eligibility
• Texas Resident age 65 and over
• Must have Medicare Parts A & B
• May not duplicate an in-force Medicare Supplement policy
Rating Areas are determined by the first 3 digits of your zip code.
Area 1:754-759; 763-769; 778-792; 795-799; 885
Area 2:750-753; 760-762; 770-777; 793-794
Area 3:out-of-state
| Plan | Ages | Area 1 | Area 2 | Area 3 | |
|---|---|---|---|---|---|
| Plan A | 65-66 | $224.00 | $240.00 | $266.00 | |
| 67-69 | $258.00 | $279.00 | $306.00 | ||
| 70-74 | $304.00 | $330.00 | $359.00 | ||
| 75-79 | $339.00 | $365.00 | $407.00 | ||
| 80-84 | $385.00 | $419.00 | $458.00 | ||
| 85+ | $414.00 | $446.00 | $492.00 | ||
| Plan F | 65-66 | $150.00 | $161.00 | $178.00 | |
| 67-69 | $170.00 | $185.00 | $203.00 | ||
| 70-74 | $201.00 | $217.00 | $237.00 | ||
| 75-79 | $225.00 | $246.00 | $269.00 | ||
| 80-84 | $255.00 | $276.00 | $305.00 | ||
| 85+ | $276.00 | $298.00 | $330.00 | ||
| Plan High Deductible F | 65-66 | $49.00 | $53.00 | $58.00 | |
| 67-69 | $56.00 | $60.00 | $66.00 | ||
| 70-74 | $65.00 | $71.00 | $77.00 | ||
| 75-79 | $74.00 | $80.00 | $89.00 | ||
| 80-84 | $82.00 | $91.00 | $99.00 | ||
| 85+ | $90.00 | $97.00 | $107.00 | ||
| Plan G | 65-66 | $137.00 | $146.00 | $163.00 | |
| 67-69 | $156.00 | $168.00 | $185.00 | ||
| 70-74 | $183.00 | $197.00 | $217.00 | ||
| 75-79 | $204.00 | $222.00 | $244.00 | ||
| 80-84 | $231.00 | $250.00 | $279.00 | ||
| 85+ | $250.00 | $272.00 | $299.00 | ||
| Plan K | 65-66 | $76.00 | $82.00 | $91.00 | |
| 67-69 | $85.00 | $96.00 | $103.00 | ||
| 70-74 | $102.00 | $110.00 | $122.00 | ||
| 75-79 | $115.00 | $126.00 | $137.00 | ||
| 80-84 | $130.00 | $140.00 | $155.00 | ||
| 85+ | $141.00 | $151.00 | $168.00 | ||
| Plan N | 65-66 | $107.00 | $118.00 | $130.00 | |
| 67-69 | $126.00 | $135.00 | $149.00 | ||
| 70-74 | $147.00 | $159.00 | $174.00 | ||
| 75-79 | $165.00 | $179.00 | $197.00 | ||
| 80-84 | $186.00 | $202.00 | $222.00 | ||
| 85+ | $201.00 | $219.00 | $240.00 | ||
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Source: https://texashealthagents.com/medicare/blue-cross-blue-shield-of-texas-medicare/
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