Medicare Supplement Insurance is health insurance that supplements original Medicare to reduce your out-of-pocket costs for most services. Medicare Supplemental Plans are sometimes referred to as "Medigap" plans. These plans don't replace orginial medicare - you keep your existing coverage. Instead, these Medicare Supplements work with Medicare to close the Medicare gap, giving you more comprehensive coverage.
Anthem Blue Cross and Blue Shield of Virginia offers several Medicare Supplement plans for Virginia seniors:
Please take a moment to view the details of each plan, compare benefits, and choose the best plan for your needs. If you would like personal assistance, call us at (757) 426-9797 or 1-(888) 380-2505 to talk with a real person. We would be glad to help you.
Plan A | Plan F |
Plan F (High Deductible) |
Plan G | Plan N | |
|
|
|
|
||
Basic Coverage* |
|
|
|
|
|
Skilled Nursing Facility Coinsurance |
|
|
|
||
Part A Deductible |
|
|
|
|
|
Part B Deductible |
|
|
|||
Part B Excess Coverage |
|
|
|
||
Foreign Travel Emergency |
|
|
|
|
|
* Basic Coverage includes:
Attained Age | Plan A | Plan F | Plan F (High Deductible) |
Plan G | Plan N |
|
|
|
|||
65 |
$62.00 |
$108.00 |
$32.00 |
$98.00 |
$77.00 |
66 |
$66.00 |
$119.00 |
$35.00 |
$108.00 |
$85.00 |
67 |
$69.00 |
$125.00 |
$38.00 |
$114.00 |
$89.00 |
68 |
$72.00 |
$132.00 |
$40.00 |
$120.00 |
$94.00 |
69 |
$74.00 |
$138.00 |
$43.00 |
$126.00 |
$99.00 |
70 |
$77.00 |
$143.00 |
$46.00 |
$130.00 |
$102.00 |
71 |
$81.00 |
$149.00 |
$48.00 |
$136.00 |
$107.00 |
72 |
$83.00 |
$155.00 |
$51.00 |
$141.00 |
$111.00 |
73 |
$85.00 |
$161.00 |
$54.00 |
$147.00 |
$115.00 |
74 |
$87.00 |
$166.00 |
$57.00 |
$151.00 |
$119.00 |
75+ |
$90.00 |
$180.00 |
$63.00 |
$164.00 |
$129.00 |
The following sections discuss the benefits of each Medicare Supplement Plan in detail. In summary, Plan A offers basic benefits at the lowest prices, Plan F offers the most comprehensive benefits at reasonable prices, and Plan F High Deductible offers the most comprehensive benefits with low monthly premiums in exchange for a $2,000 calendar year deductible before benefits are drawn upon. Plan G provides most of the benefits of Plan F with lower premiums, but doesn't cover Part B Deductible expenses. Plan N is a compromise plan that offers even lower monthly premiums, but doesn't cover Part B Deductible or Part B Excess costs.
Services | Medicare Pays |
Plan A Pays | You Pay |
|
|
|
|
MEDICARE
(PART A) HOSPITAL SERVICES
|
|||
Hospitalization |
|
|
|
First
60 Days
|
All but $1,100 |
$0 |
$1,100 (Part A deductible) |
61st
through 90th day
|
All but $275.00 / day |
$275 a day |
$0 |
91st day and after:
|
|
|
|
Once lifetime reserve
days are used:
|
|
|
|
|
$0 |
$0 |
All Costs |
Skilled Nursing Facility Care |
|
|
|
First 20 days
|
All approved amounts
|
$0
|
$0
|
21st thru 100th day
|
All but $137.50 a day
|
$0
|
Up to $137.50 a day
|
101st day and after
|
$0
|
$0
|
All costs
|
Blood |
|
|
|
First 3 pints
|
$0
|
3 pints
|
$0
|
Additional amounts
|
100%
|
$0
|
$0
|
Hospice
Care
|
All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care |
Medicare copayment/ coinsurance |
$0 |
MEDICARE
(PART B) SERVICES
|
|||
Medical ExpensesIn or Out of Hospital & Outpatient Hospital Treatment |
|
|
|
First $155 of Medicare
Approved
Amounts
|
$0 |
$0 |
$155 (Part B Deductible) |
Remainder
of Medicare Approved Amounts
|
Generally 80% |
Generally 20% |
$0 |
Part B Excess Charges |
|
||
Above Medicare
Approved Amounts |
$0 |
$0 |
All Costs |
Blood |
|||
First 3 pints
|
$0 |
All costs |
$0 |
Next $155 of Medicare
Approved Amounts*
|
$0 |
$0 |
$155 (Part B deductible) |
Remainder of Medicare
Approved Amounts
|
80% |
20% |
$0 |
Clinical Laboratory Services |
|||
Tests for Diagnostic
Services
|
100% |
$0 |
$0 |
MEDICARE (PARTS A & B) SERVICES |
|||
Home Health Care — Medicare Approved Services |
|||
Medically necessary
skilled care services and medical supplies |
100% |
$0 |
$0 |
Durable medical equipment:
|
|
|
|
|
80% |
20% |
$0 |
OTHER BENEFITS: |
|
|
|
Voluntary
Individual Outcomes
Management Program (if applicable) |
Anthem covers the full cost of these alternative treatment options to the extent the costs are not paid by Medicare |
$0
|
|
Services | Medicare Pays |
Plan F Pays | You Pay |
|
|
|
|
MEDICARE
(PART A) HOSPITAL SERVICES
|
|||
Hospitalization |
|
|
|
First
60 Days
|
All but $1,100 |
$1,100 (Part A deductible) |
$0 |
61st
through 90th day
|
All but $275.00 / day |
$275 a day |
$0 |
91st day and after:
|
|
|
|
Once lifetime reserve
days are used:
|
|
|
|
|
$0 |
$0 |
All Costs |
Skilled Nursing Facility Care |
|
|
|
First 20 days
|
All approved amounts
|
$0
|
$0
|
21st thru 100th day
|
All but $137.50 a day
|
Up to $137.50 a day
|
$0
|
101st day and after
|
$0
|
$0
|
All costs
|
Blood |
|
|
|
First 3 pints
|
$0
|
3 pints
|
$0
|
Additional amounts
|
100%
|
$0
|
$0
|
Hospice
Care
|
All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care |
Medicare copayment/ coinsurance |
$0 |
MEDICARE
(PART B) SERVICES
|
|||
Medical ExpensesIn or Out of Hospital & Outpatient Hospital Treatment |
|
|
|
First $155 of Medicare
Approved
Amounts
|
$0 |
$155 (Part B deductible) |
$0 |
Remainder
of Medicare Approved Amounts
|
Generally 80% |
Generally 20% |
$0 |
Part B Excess Charges |
|
||
Above Medicare
Approved Amounts |
$0 |
100% |
$0 |
Blood |
|||
First 3 pints
|
$0 |
All costs |
$0 |
Next $155 of Medicare
Approved Amounts*
|
$0 |
$155 (Part B deductible) |
$0 |
Remainder of Medicare
Approved Amounts
|
80% |
20% |
$0 |
Clinical Laboratory Services |
|||
Tests for Diagnostic
Services
|
100% |
$0 |
$0 |
MEDICARE (PARTS A & B) SERVICES |
|||
Home Health Care — Medicare Approved Services |
|||
Medically necessary
skilled care services and medical supplies |
100% |
$0 |
$0 |
Durable medical equipment:
|
$0 |
$155 (Part B deductible) |
$0 |
|
80% |
20% |
$0 |
OTHER BENEFITS: |
|
|
|
Foreign
Travel — Not Covered by Medicare |
Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA | ||
First $250 each calendar
year
|
$0 |
$0 |
$250
|
Remainder of Charges
|
$0 |
80% to a lifetime maximum benefit of $50,000 |
20% and amounts over the
$50,000 lifetime maximum
|
Voluntary
Individual Outcomes
Management Program (if applicable) |
Anthem covers the full cost of these alternative treatment options to the extent the costs are not paid by Medicare |
$0
|
|
Services | Medicare Pays |
After Deductible
Plan F Pays |
After Deductible You Pay |
|
|
|
|
MEDICARE
(PART A) HOSPITAL SERVICES
|
|||
Hospitalization |
|
|
|
First
60 Days
|
All but $1,100 |
$1,100 (Part A deductible) |
$0 |
61st
through 90th day
|
All but $275.00 / day |
$275 a day |
$0 |
91st day and after:
While using 60 lifetime days |
All but $550 a day |
$550 a day |
$0 |
Once lifetime reserve
days are used:
|
|
|
|
|
$0 |
$0 |
All Costs |
Skilled Nursing Facility Care |
|
|
|
First 20 days
|
All approved amounts
|
$0
|
$0
|
21st thru 100th day
|
All but $137.50 a day
|
Up to $137.50 a day
|
$0
|
101st day and after
|
$0
|
$0
|
All costs
|
Blood |
|
|
|
First 3 pints
|
$0
|
3 pints
|
$0
|
Additional amounts
|
100%
|
$0
|
$0
|
Hospice
Care
|
All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care |
Medicare copayment/ coinsurance |
$0 |
MEDICARE
(PART B) SERVICES
|
|||
Medical ExpensesIn or Out of Hospital & Outpatient Hospital Treatment |
|
|
|
First $155 of Medicare
Approved
Amounts
|
$0 |
$155 (Part B deductible) |
$0 |
Remainder
of Medicare Approved Amounts
|
Generally 80% |
Generally 20% |
$0 |
Part B Excess Charges |
|
||
Above Medicare
Approved Amounts |
$0 |
100% |
$0 |
Blood |
|||
First 3 pints
|
$0 |
All costs |
$0 |
Next $155 of Medicare
Approved Amounts*
|
$0 |
$155 (Part B deductible) |
$0 |
Remainder of Medicare
Approved Amounts
|
80% |
20% |
$0 |
Clinical Laboratory Services |
|||
Tests for Diagnostic
Services
|
100% |
$0 |
$0 |
MEDICARE (PARTS A & B) SERVICES |
|||
Home Health Care — Medicare Approved Services |
|||
Medically necessary
skilled care services and medical supplies |
100% |
$0 |
$0 |
Durable medical equipment:
|
$0 |
$155 (Part B deductible) |
$0 |
|
80% |
20% |
$0 |
OTHER BENEFITS: |
|
|
|
Foreign
Travel — Not Covered by Medicare |
Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA | ||
First $250 each calendar
year
|
$0 |
$0 |
$250
|
Remainder of Charges
|
$0 |
80% to a lifetime maximum benefit of $50,000 |
20% and amounts over the $50,000 lifetime maximum |
Voluntary
Individual Outcomes
Management Program (if applicable) |
Anthem covers the full cost of these alternative treatment options to the extent the costs are not paid by Medicare |
$0
|
|
Services | Medicare Pays |
Plan G Pays | You Pay |
|
|
|
|
MEDICARE
(PART A) HOSPITAL SERVICES
|
|||
Hospitalization |
|
|
|
First
60 Days
|
All but $1,100 |
$1,100 (Part A deductible) |
$0 |
61st
through 90th day
|
All but $275.00 / day |
$275 a day |
$0 |
91st day and after:
|
|
|
|
Once lifetime reserve
days are used:
|
|
|
|
|
$0 |
$0 |
All Costs |
Skilled Nursing Facility Care |
|
|
|
First 20 days
|
All approved amounts
|
$0
|
$0
|
21st thru 100th day
|
All but $137.50 a day
|
Up to $137.50 a day
|
$0
|
101st day and after
|
$0
|
$0
|
All costs
|
Blood |
|
|
|
First 3 pints
|
$0
|
3 pints
|
$0
|
Additional amounts
|
100%
|
$0
|
$0
|
Hospice
Care
|
All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care |
Medicare copayment/ coinsurance |
$0 |
MEDICARE
(PART B) SERVICES
|
|||
Medical ExpensesIn or Out of Hospital & Outpatient Hospital Treatment |
|
|
|
First $155 of Medicare
Approved
Amounts
|
$0 |
$0 |
$155 (Part B Deductible) |
Remainder
of Medicare Approved Amounts
|
Generally 80% |
Generally 20% |
$0 |
Part B Excess Charges |
|
||
Above Medicare
Approved Amounts |
$0 |
100% |
$0 |
Blood |
|||
First 3 pints
|
$0 |
All costs |
$0 |
Next $155 of Medicare
Approved Amounts*
|
$0 |
$0 |
$155 (Part B deductible) |
Remainder of Medicare
Approved Amounts
|
80% |
20% |
$0 |
Clinical Laboratory Services |
|||
Tests for Diagnostic
Services
|
100% |
$0 |
$0 |
MEDICARE (PARTS A & B) SERVICES |
|||
Home Health Care — Medicare Approved Services |
|||
Medically necessary
skilled care services and medical supplies |
100% |
$0 |
$0 |
Durable medical equipment:
|
|
|
|
|
80% |
20% |
$0 |
OTHER BENEFITS: |
|
|
|
Foreign
Travel — Not Covered by Medicare |
Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA | ||
First $250 each calendar
year
|
$0 |
$0 |
$250
|
Remainder of Charges
|
$0 |
80% to a lifetime maximum benefit of $50,000 |
20% and amounts over the $50,000 lifetime maximum |
Voluntary
Individual Outcomes
Management Program (if applicable) |
Anthem covers the full cost of these alternative treatment options to the extent the costs are not paid by Medicare |
$0
|
|
Services | Medicare Pays |
Plan N Pays | You Pay |
|
|
|
|
MEDICARE
(PART A) HOSPITAL SERVICES
|
|||
Hospitalization |
|
|
|
First
60 Days
|
All but $1,100 |
$1,100 (Part A deductible) |
$0 |
61st
through 90th day
|
All but $275.00 / day |
$275 a day |
$0 |
91st day and after:
|
|
|
|
Once lifetime reserve
days are used:
|
|
|
|
|
$0 |
$0 |
All Costs |
Skilled Nursing Facility Care |
|
|
|
First 20 days
|
All approved amounts
|
$0
|
$0
|
21st thru 100th day
|
All but $137.50 a day
|
Up to $137.50 a day
|
$0
|
101st day and after
|
$0
|
$0
|
All costs
|
Blood |
|
|
|
First 3 pints
|
$0
|
3 pints
|
$0
|
Additional amounts
|
100%
|
$0
|
$0
|
Hospice
Care
|
All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care |
Medicare copayment/ coinsurance |
$0 |
MEDICARE
(PART B) SERVICES
|
|||
Medical ExpensesIn or Out of Hospital & Outpatient Hospital Treatment |
|
|
|
First $155 of Medicare
Approved
Amounts
|
$0 |
$0 |
$155 (Part B Deductible) |
Remainder
of Medicare Approved Amounts
|
Generally 80% |
Balance, other than up to $20 per office visit and up to $50 per emergency room visit. The copayment of up to $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense. |
Up to $20 per office visit and up to $50 per emergency room visit. The copayment of up to $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense. |
Part B Excess Charges |
|
||
Above Medicare
Approved Amounts |
$0 |
$0 |
All Costs |
Blood |
|||
First 3 pints
|
$0 |
All costs |
$0 |
Next $155 of Medicare
Approved Amounts*
|
$0 |
$0 |
$155 (Part B deductible) |
Remainder of Medicare
Approved Amounts
|
80% |
20% |
$0 |
Clinical Laboratory Services |
|||
Tests for Diagnostic
Services
|
100% |
$0 |
$0 |
MEDICARE (PARTS A & B) SERVICES |
|||
Home Health Care — Medicare Approved Services |
|||
Medically necessary
skilled care services and medical supplies |
100% |
$0 |
$0 |
Durable medical equipment:
|
|
|
|
|
80% |
20% |
$0 |
OTHER BENEFITS: |
|
|
|
Foreign
Travel — Not Covered by Medicare |
Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA | ||
First $250 each calendar
year
|
$0 |
$0 |
$250
|
Remainder of Charges
|
$0 |
80% to a lifetime maximum benefit of $50,000 |
20% and amounts over the $50,000 lifetime maximum |
Voluntary
Individual Outcomes
Management Program (if applicable) |
Anthem covers the full cost of these alternative treatment options to the extent the costs are not paid by Medicare |
$0
|
|
For free guidance, call us at (757)
426-9797 or 1-(888)
380-2505 or contact us via email.
We would be glad to help you.