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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.
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High Deductible Plan F Rates
Metro Rates
The following rates are for Illinois residents living in the following Counties:
- Cook
- DuPage
- Kane
- Lake
- McHenry
- Will
Plan | Age | Standard | Med-Select |
---|---|---|---|
HD F | 65 | $51.00 | N/A |
66 | $54.00 | N/A | |
67 | $57.00 | N/A | |
68 | $60.00 | N/A | |
69 | $63.00 | N/A | |
70 | $66.00 | N/A | |
71 | $71.00 | N/A | |
72 | $74.00 | N/A | |
73 | $78.00 | N/A | |
74 | $82.00 | N/A | |
75 | $84.00 | N/A | |
76 | $87.00 | N/A | |
77 | $89.00 | N/A | |
78 | $91.00 | N/A | |
79 | $93.00 | N/A | |
80 | $94.00 | N/A | |
99+ | $113.00 | N/A |
Non-Metro Rates
The following rates are for Illinois residents living OUTSIDE the following Counties:
- Cook
- DuPage
- Kane
- Lake
- McHenry
- Will
Plan | Age | Standard | Med-Select |
---|---|---|---|
HD F | 65 | $47.00 | N/A |
66 | $49.00 | N/A | |
67 | $52.00 | N/A | |
68 | $56.00 | N/A | |
69 | $59.00 | N/A | |
70 | $61.00 | N/A | |
71 | $64.00 | N/A | |
72 | $68.00 | N/A | |
73 | $71.00 | N/A | |
74 | $75.00 | N/A | |
75 | $77.00 | N/A | |
76 | $79.00 | N/A | |
77 | $81.00 | N/A | |
78 | $83.00 | N/A | |
79 | $84.00 | N/A | |
80 | $85.00 | N/A | |
99+ | $102.00 | N/A |
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