Medicare Supplement Insurance Plan F* is the most comprehensive plan offered by Blue Cross and Blue Shield of New Mexico. This plan is the most popular choice among seniors simply because it offers the most protection of all the standardized plans offered in the state. With this plan, you can count on coverage for deductibles, copays, coinsurance, and additional benefits Original Medicare does not provide.

Medicare Supplement Plan F and High Deductible Plan F are only available to those individuals who turned 65 before January 1, 2020.

Benefits

Medicare has been helping seniors like you get dependable health care for generations. But it wasn’t designed to pay for everything. Out-of-pocket expenses can be high, even with Medicare benefits. This plan offers Medicare recipients complete coverage including Part A hospital deductible and coinsurance, the cost for 365 days of hospital care after Medicare coverage ends, Part B deductible and any Part B excess charges Medicare will not pay.

Provides supplemental Medicare coverage for hospitalization (Part A), medical services (Part B), skilled nursing facility care, hospice care, and home healthcare-approved services. That means Medicare Supplement Insurance Plan F pays the 20 percent remaining costs for you to receive semi-private room and board, general nursing and miscellaneous services and supplies as well as outpatient medical services, supplies and treatment, physician services, physical and speech therapy, diagnostic tests and durable medical equipment. In addition, your coinsurance for days 21-100 of skilled nursing care is covered, as are the first three pints of blood 100 percent, and 80 percent of any foreign emergency care you need up to $50,000 during your lifetime.

Benefits Summary

Part A deductible and coinsurance

365 extra days of hospital care after Medicare benefits end

Part B deductible, coinsurance, and 100 percent of excess charges

Skilled nursing facility copayment, hospice care, and home healthcare-approved services

100 percent coverage for the first three pints of blood

After a $250 cost, 80 percent foreign travel emergency care (up to $50,000 lifetime)

What You Can Expect To Pay

You will pay a monthly premium, hospitalization costs beyond the additional 365 days after the Lifetime Reserve are used, costs after 101 days in a skilled nursing facility, $250 per calendar year for foreign care, and 20 percent of costs within the first $50,000. However, if you agree to use a Medicare Select participating hospital for non-emergency elective admissions, you can save on your premiums.

Blue Cross Blue and Shield of New Mexico will never terminate or refuse to renew your policy because of the condition of your health. And for seniors looking for protection backed by a solid reputation.

Benefits Medicare does not pay in 2024	Expenses covered by our plans
	Plan A	Plan B	Plan F	High Deductible Plan F	Plan N*
Part A (Hospital Services)**
$1,632 Medicare hospital deductible
$408 per day copayment for covered expenses for days 61-90 in hospital
$816 per day copayment for covered expenses while you use your Lifetime Reserve
100% of Medicare allowable expenses for additional 365 days after Medicare hospital benefits stop completely
Calendar year blood deductible (charges for first three pints of blood)
$204 per day for days 21-100 in a skilled nursing facility
Hospice care (Medicare Part A)
Part B (Physician’s Care and Medical Services)
$240 Part B deductible
Coinsurance for medical expenses (25% of Medicare approved amount for preventive services and 20% for most others)†					Generally 20% except up to $20 copayment for office visit and up to $50 ER
100% of Medicare Part B excess charges (above Medicare approved amounts)
Coinsurance for durable medical equipment (20% of Medicare approved amounts)†
Additional Expenses Not Covered by Medicare
Benefits for medically necessary emergency care received in a foreign country††

Medicare Supplement Plan F and High Deductible Plan F are only available to those individuals who turned 65 before January 1, 2020.

* Plan F also has an option called a high-deductible Plan F. This high-deductible plan pays the same or offers the same benefits as Plan F after one has paid a calendar year $2,800 deductible. Benefits from high-deductible Plan F will not begin until out-of-pocket expenses are $2,800.

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 Part B but do not include the plan’s separate foreign travel emergency deductible.

** Hospital benefits must be provided by facilities participating in 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 for each benefit period. See your Outline of Coverage for details and limitations of these benefits.

† After the $240 Part B deductible is met for Plans A, B, F, High Deductible Plan F, and Plan N.

†† Foreign Travel Emergency covered at 80% after the first $250 each is paid each calendar year; up to $ 50,000-lifetime maximum.