// //

Anthem BCBS Indiana - Medicare Supplement Plans

medicare senior quotes
Anthem Blue Cross BlueShield of Indiana
Anthem Indiana Blue Cross and Blue Shield Medicare Supplment Quote

Medicare Supplement Plans & Rates

Anthem Indiana Medicare Supplement Plans - Quick Comparison Table

Plans
A F, HD-F* G N
Basic Benefits X X X X
Skilled Nursing Coinsurance - X X X
Part A Deductible - X X X
Part B Deductible - X - -
Part B Excess (100%) - X X -
Foreign Travel Emergency - X X X
At Home Recovery - - - -
Annual Out-of-Pocket Cost - - - -

*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 $2,100 deductible. Benefits from high deductible Plan F will not begin until out-of-pocket expenses exceed $2,100. Out-of-pocket expeneses 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.

Plan F

Our Rating:

Plan F is the most popular Anthem Blue Cross Blue Shield of Indiana Medicare Supplement plan. No other standardized Medicare Supplement plan offered in Indiana offers more complete protection for your uncovered Part B medical expenses than Plan F. It 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
  • $147 Part B Medicare deductible
  • Part B doctor charges that are in excess of Medicare-approved amounts

Plan F Benefits

Benefit What Plan F Covers
Part A Deductible
You may need this benefit if you have to stay in the hospital. The Part A deductible for 2014 is $1,216. This amount can change every year. You have to pay this deductible for each benefit period.
Plan F covers 100% of the $1,216 deductible.
Part B Deductible
You may want to consider this benefit if you have Medicare Part B. Each year you must pay the Part B deductible (which is $147 in 2014) before Medicare starts to pay its share. If you have this benefit, the Medigap plan would pay this amount each year.
Plan F covers 100% of the $147 deductible.
Part B Coinsurance
Without this benefit, you generally pay 20% of the Medicare-approved amount for Medicare Part B covered services and supplies (like doctor services and outpatient hospital care). This benefit will help you to reduce your out of pocket after Part B deductible.
Plan F covers 100% of the 20% remainder costs
365 Extra Days of Hospital Stay
After you use all Medicare hospital benefits, you can receive up to 365 more days for hospital stays during your lifetime.
Plan F covers all of the costs for an additional 365 additional hospital days
3 Pints of Blood
The first 3 pints of blood or equal amounts of packed red blood cells per calendar year, unless this blood is replaced.
Plan F covers all of the costs of 3 pints of blood per calendar year
Part B Excess Charges
Under federal law, doctors who don't accept "assignment " (take Medicare's approved amount as payment in full) may charge up to 15% more than the approved amount. You might want to think about this benefit if your doctors don't accept assignment. You may also want this benefit if you have to stay in the hospital and can't control whether the doctors you see accept assignment.
Plan F covers 100% of the excess charges
Foreign Travel Emergency
If you travel outside the United States, this benefit could save you money for emergency care.
Plan F covers 80% (after a $250 deductible) to a lifetime maximum benefit of $50,000.
Skilled Nursing Coinsurance
Medicare pays for the first 20 days of a skilled nursing facility. If you need to go to a Skilled Nursing Facility (SNF) after a hospital stay and stay in the SNF longer than 20 days, this benefit begins.
Plan F covers up to $137.50 per day for days 21-100.
Home Health Care
Home Health Care is skilled nursing care and certain other health care services you get in your home for the treatment of an illness or injury.
Plan F covers the 20% remainder not paid by Medicare Part B.
High Deductible Plan F

Our Rating:

High Deductible Plan F has the same benefits as Plan F after you pay an annual $2100 deductible. The deductible amount represents the annual out-of-pocket expenses (excluding premiums) that you must pay before the policy begins paying benefits. By have a high deductible, your premiums are significantly less than Standard Plan F. High Deductible Plan F covers:

  • High Deductible Plan F pays the same benefits as Plan F after you pay a calendar year deductible ($2,000 in 2014).
  • 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 $2,000.
  • 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
  • $147 Part B Medicare 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

Our Rating:

Plan G covers:

  • Your $1,216 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
  • Emergency care for foreign travel

Plan G does NOT cover:

  • Your $147 Medicare Part B deductible

Plan G Benefits

Benefit What Plan G Covers
Part A Deductible
You may need this benefit if you have to stay in the hospital. The Part A deductible for 2014 is $1,216. This amount can change every year. You have to pay this deductible for each benefit period.
Plan G covers 100% of the $1,216 deductible.
Part B Deductible
You may want to consider this benefit if you have Medicare Part B. Each year you must pay the Part B deductible (which is $147 in 2014) before Medicare starts to pay its share. If you have this benefit, the Medigap plan would pay this amount each year.
Plan G does NOT cover the $147 Part B deductible, you must pay out of pocket.
Part B Coinsurance
Without this benefit, you generally pay 20% of the Medicare-approved amount for Medicare Part B covered services and supplies (like doctor services and outpatient hospital care). This benefit will help you to reduce your out of pocket after Part B deductible.
Plan G covers 100% of the 20% remainder costs
365 Extra Days of Hospital Stay
After you use all Medicare hospital benefits, you can receive up to 365 more days for hospital stays during your lifetime.
Plan G covers all of the costs for an additional 365 additional hospital days
3 Pints of Blood
The first 3 pints of blood or equal amounts of packed red blood cells per calendar year, unless this blood is replaced.
Plan G covers all of the costs of 3 pints of blood per calendar year
Part B Excess Charges
Under federal law, doctors who don't accept "assignment " (take Medicare's approved amount as payment in full) may charge up to 15% more than the approved amount. You might want to think about this benefit if your doctors don't accept assignment. You may also want this benefit if you have to stay in the hospital and can't control whether the doctors you see accept assignment.
Plan G covers 100% of the excess charges
Foreign Travel Emergency
If you travel outside the United States, this benefit could save you money for emergency care.
Plan G covers 80% (after a $250 deductible) to a lifetime maximum benefit of $50,000.
Skilled Nursing Coinsurance
Medicare pays for the first 20 days of a skilled nursing facility. If you need to go to a Skilled Nursing Facility (SNF) after a hospital stay and stay in the SNF longer than 20 days, this benefit begins.
Plan G covers up to $137.50 per day for days 21-100.
Home Health Care
Home Health Care is skilled nursing care and certain other health care services you get in your home for the treatment of an illness or injury.
Plan G covers the 20% remainder not paid by Medicare Part B.
Plan N

Our Rating:

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 $147 Medicare Part B deductible.

Plan N covers:

  • Your $1,216 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
  • Emergency care for foreign travel

Plan N does NOT cover:

  • Your $147 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.

Plan N Benefits

Benefit What Plan N Covers
Part A Deductible
You may need this benefit if you have to stay in the hospital. The Part A deductible for 2014 is $1,216. This amount can change every year. You have to pay this deductible for each benefit period.
Plan N covers 100% of the $1,216 deductible.
Part B Deductible
You may want to consider this benefit if you have Medicare Part B. Each year you must pay the Part B deductible (which is $147 in 2014) before Medicare starts to pay its share. If you have this benefit, the Medigap plan would pay this amount each year.
Plan N does NOT cover the $147 Part B deductible, you must pay out of pocket.
Part B Coinsurance
Without this benefit, you generally pay 20% of the Medicare-approved amount for Medicare Part B covered services and supplies (like doctor services and outpatient hospital care). This benefit will help you to reduce your out of pocket after Part B deductible.
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
After you use all Medicare hospital benefits, you can receive up to 365 more days for hospital stays during your lifetime.
Plan N covers all of the costs for an additional 365 additional hospital days
3 Pints of Blood
The first 3 pints of blood or equal amounts of packed red blood cells per calendar year, unless this blood is replaced.
Plan N covers all of the costs of 3 pints of blood per calendar year
Part B Excess Charges
Under federal law, doctors who don't accept "assignment " (take Medicare's approved amount as payment in full) may charge up to 15% more than the approved amount. You might want to think about this benefit if your doctors don't accept assignment. You may also want this benefit if you have to stay in the hospital and can't control whether the doctors you see accept assignment.
Plan N covers 100% of the excess charges
Foreign Travel Emergency
If you travel outside the United States, this benefit could save you money for emergency care.
Plan N covers 80% (after a $250 deductible) to a lifetime maximum benefit of $50,000.
Skilled Nursing Coinsurance
Medicare pays for the first 20 days of a skilled nursing facility. If you need to go to a Skilled Nursing Facility (SNF) after a hospital stay and stay in the SNF longer than 20 days, this benefit begins.
Plan N covers up to $137.50 per day for days 21-100.
Home Health Care
Home Health Care is skilled nursing care and certain other health care services you get in your home for the treatment of an illness or injury.
Plan N covers the 20% remainder not paid by Medicare Part B.
Basic Plan A

Our Rating:

Plan A is the most basic and least expensive Medicare Supplement plan. By federal law, every insurance company must offer Plan A.

Basic Plan A covers:

  • Your Part A 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

Plan A Benefits

Benefit What Plan A Covers
Part A Deductible
You may need this benefit if you have to stay in the hospital. The Part A deductible for 2014 is $1,216. This amount can change every year. You have to pay this deductible for each benefit period.
Plan A does not cover the $1,216 deductible
Part A Coinsurance Hospital Benefits
Medicare requires you to pay your coinsurance on hospital expenses. This benefit generally pays all or part of your coinsurance for hospital stay.
Medicare pays for days 1- 60. Plan A covers
  • $275 a day for days 61-90
  • $550 a day for days 91-150
Part B Deductible
You may want to consider this benefit if you have Medicare Part B. Each year you must pay the Part B deductible (which is $147 in 2014) before Medicare starts to pay its share. If you have this benefit, the Medigap plan would pay this amount each year.
Plan A does not cover the Medicare Part B $147 deductible
Part B Coinsurance
Without this benefit, you generally pay 20% of the Medicare-approved amount for Medicare Part B covered services and supplies (like doctor services and outpatient hospital care). This benefit will help you to reduce your out of pocket after Part B deductible.
Plan A covers 20% of the remaining costs after you pay the $147 Part B deductible
365 Extra Days of Hospital Stay
After you use all Medicare hospital benefits, you can receive up to 365 more days for hospital stays during your lifetime.
Plan A covers all of the costs for an additional 365 additional hospital days
3 Pints of Blood
The first 3 pints of blood or equal amounts of packed red blood cells per calendar year, unless this blood is replaced.
Plan A covers 100% of the costs of 3 pints of blood per calendar year
Part B Excess Charges
Under federal law, doctors who don't accept "assignment" (take Medicare's approved amount as payment in full) may charge up to 15% more than the approved amount. You might want to think about this benefit if your doctors don't accept assignment. You may also want this benefit if you have to stay in the hospital and can't control whether the doctors you see accept assignment.
Plan A does not covers Part B Excess Charges
Hospice Care
Hospice is a special way of caring for people who are terminally ill and for their families. This care includes physical care and counseling. The goal of hospice is to care for you and your family, not to cure your illness.
Plan A does not cover hospice care
Foreign Travel Emergency
If you travel outside the United States, this benefit could save you money for emergency care.
Plan A does not cover foreign travel emergencies
Skilled Nursing Coinsurance
Medicare pays for the first 20 days of a skilled nursing facility. If you need to go to a Skilled Nursing Facility (SNF) after a hospital stay and stay in the SNF longer than 20 days, this benefit begins.
Plan A does not cover skilled nursing
Home Health Care
Home Health Care is skilled nursing care and certain other health care services you get in your home for the treatment of an illness or injury.
Plan A covers 20% of the remainder after the $147 Medicare Part B deductible.
Out of Pocket Limit
The maximum costs you are responsible for in a calendar year.
There is not out of pocket limit for Basic Plan A