Anthem BCBS Ohio Medicare Supplement Plan N – 2019
|Benefit:||What It Covers:|
Part A Deductible
Plan N covers 100% of the $1,408 deductible.
Part A Coinsurance
Medicare pays for days 1- 60. Plan N covers:
remaining $275 a day for days 61-90
Part B Deductible
Plan N does NOT cover the $185 Part B deductible, you must pay out of pocket.
Part B Coinsurance
Plan N covers 100% of the 20% remainder costs after a $20 office visit copay and $50 emergency room copay
365 Extra Days of Hospital Stay
Plan N covers all of the costs for an additional 365 additional hospital days
3 Pints of Blood
Plan N covers all of the costs of 3 pints of blood per calendar year
Part B Excess Charges
Plan N covers 100% of the excess charges
Foreign Travel Emergency
Plan N covers 80% (after a $250 deductible) to a lifetime maximum benefit of $50,000.
Skilled Nursing Coinsurance
Plan N covers up to $137.50 per day for days 21-100.
Home Health Care
Plan N covers the 20% remainder not paid by Medicare Part B.
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 $198 Medicare Part B deductible.
Plan N covers:
- Your $1,408 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 $198 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.
There is also an Anthem Ohio Medicare-Select Plan N that offers the same benefits as Standard Plan N 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.
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About The Carrier
One of the larger provider networks in Ohio. A wide range of choices in plans, coverage and price levels. Innovative cost-of-care products and programs that improve health and reduce expenses. Let Anthem help you customize medical benefits that work best for your employees and your budget.
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