Plan N

For New Mexico residents willing to share some of the costs of healthcare, Medicare Supplement Insurance Plan N* from Blue Cross and Blue Shield of New Mexico is a smart choice. With coverage for your Part A deductible, hospitalization coinsurance, foreign travel emergency care, skilled nursing copayment and more, this plan is a smart solution for supplementing Original Medicare benefits.

This plan makes it easy for seniors to secure reliable health care at an affordable price. Coverage includes Part A deductible ($1,484), 100 percent of hospitalization coinsurance from day 61-90 ($370 a day), hospitalization coinsurance from day 91 and beyond ($740 a day with Lifetime Reserve) and 100 percent of Medicare-eligible expenses in the hospital for an additional 365 days after Medicare benefits end. In addition, the first three pints of blood are covered 100 percent.

Original Medicare pays for the first 20 days of skilled nursing care. Medicare Supplement Insurance Plan N picks up where Medicare leaves off by paying the remaining amount ($185.50 a day) for days 21-100. Plan N also pays your Medicare copayment/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 copayment days 21-100

Medicare copayment/coinsurance for hospice care

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

Cost

With Medicare Supplement Insurance Plan N, you can expect to pay for a monthly premium, your Part B deductible and excess charges, hospitalization costs beyond the extra 365 days after the Lifetime Reserve is used, skilled nursing care 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.

 

 

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