High Deductible Plan F

New Mexico seniors looking for complete protection overwhelmingly choose Medicare Supplement Insurance High Deductible Plan F* over any other plan. This plan offers the most benefits of any of the plans. This plan gives you the flexibility you need to receive the same dependable benefits while helping you save on premiums. By agreeing to share certain health care costs, you can receive complete protection when you need it most.

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

Benefits Summary

Part A deductible and coinsurance

365 extra days of hospital care after Medicare coverage ends

Part B Medicare deductible

Part B coinsurance and the cost of the first three pints of blood

100 percent of Part B excess charges

Skilled nursing facility copayment

Hospice care

80 percent of Foreign travel emergency care (after $250 deductible, up to $50,000 lifetime)

What You Can Expect to Pay

The cost-sharing feature of Medicare Supplement Insurance High Deductible Plan F means that you pay an annual deductible (excluding premiums) that would ordinarily be paid by your plan. Sharing these costs significantly reduces your premium amount, saving you money. You will pay an annual deductible of $2,370 before benefits start.

This includes your Medicare deductibles for Part A and Part B but does not include the $250 foreign travel emergency deductible. By paying this annual deductible, you can significantly reduce your monthly premium while still benefiting from the comprehensive coverage.

 

 

 

Benefits Medicare
does not pay in 2022
Expenses covered by our plans
Plan A Plan B Plan F High
Deductible
Plan F
Plan N*
Part A (Hospital Services)**
$1,484
Medicare
hospital
deductible
$370 per day
copayment for
covered
expenses for
days 61-90 in
hospital
$742 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)
$176.00 per day
for days 21-100
in a skilled
nursing facility
Hospice care
(Medicare Part
A)
Part B (Physician’s Care and Medical Services)
$203 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 is 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 $2,370 deductible. Benefits from high-deductible Plan F will not begin until out-of-pocket expenses are $2,370.

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 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 $203 Part B deductible is met for Plans A, B, F, High Deductible Plan F, and Plan N.

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

*Not connected with or endorsed by the U.S. Government or Federal Medicare Program