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High Deductible Plan F

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High Deductible Plan F has the same benefits as Plan F after you pay an annual $2,240 deductible. The deductible amount represents the annual out-of-pocket expenses (excluding premiums) that you must pay before the policy begins paying benefits. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy, which includes the Medicare deductibles for Part A and Part B, but not the separate foreign travel emergency deductible.

By having a high deductible, your premiums are significantly lower than Standard Plan F.

Costs you can expect to pay with High Deductible Plan F that count towards the $2,240 deductible:

• Medicare Part A deductible
• Medicare Part B deductible

High Deductible Plan F covers 100% of the remaining charges after the $2,240 deductible is met including:

• 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 $2,240. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy.
• Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy, which includes the Medicare deductibles for Part A and Part B, but not the separate foreign travel emergency deductible.
• The Medicare deductibles for Part A and B.
• Medicare Part A hospital deductible and copayments
• Skilled nursing facility copayment
• 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
• These expenses do NOT include Plan F’s separate $250 foreign travel emergency deductible.