Basic, including 100% Part B coinsurance
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- Philomena Fisher
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1 BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA An Independent Licensee of the Blue Cross and Blue Shield Association OUTLINE OF BLUE SELECT COVERAGE COVER PAGE 1 of 2: BENEFIT PLANS TRADITIONAL A and BLUE SELECT PLANS High Deductible F, L and N This charts show the benefits included in each of the standard Medicare supplement plans. Every company must make Plan A available. Some plans may not be available in your state. Plans E, H, I and J are no longer available for sale after June 1, BASIC BENEFITS: Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end. Medical Expenses: Part B coinsurance (generally 20% of Medicare-approved expenses) or copayments for hospital outpatient services. Plans K, L and N require you to pay a portion of Part B coinsurance or copayments. Blood: first three pints of blood each year. Hospice: Part A coinsurance A B Select C D F F* G Basic, including 100% Part B coinsurance Basic, including 100% Part B coinsurance Basic, including 100% Part B coinsurance Basic, including 100% Part B coinsurance Basic, including 100% Part B coinsurance Basic, including 100% Part B coinsurance Skilled Nursing Facility Coinsurance Skilled Nursing Facility Coinsurance Skilled Nursing Facility Coinsurance Skilled Nursing Facility Coinsurance Part A Deductible Part A Deductible Part A Deductible Part A Deductible Part A Deductible Part B Deductible Part B Deductible Part B Excess (100%) Part B Excess (100%) Foreign Travel Emergency Foreign Travel Emergency Foreign Travel Emergency Foreign Travel Emergency * Plan F also has an option called a high deductible plan F. This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2,300 deductible. Benefits from high deductible plan F will not begin until out-of-pocket expenses exceed $2,300. 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 Part B, but do not include the plan's separate foreign travel emergency deductible. 1
2 BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA An Independent Licensee of the Blue Cross and Blue Shield Association OUTLINE OF BLUE SELECT COVERAGE COVER PAGE 2: BENEFIT PLANS TRADITIONAL A and BLUE SELECT PLANS High Deductible F, L and N K Select L M N Hospitalization and preventive care Basic, including 100% Part B paid at 100%; other basic benefits paid coinsurance at 75% Hospitalization and preventive care paid at 100%; other basic benefits paid at 50% Basic, including 100% Part B coinsurance, except up to $20 copayment for office visit and up to $50 copayment for emergency room 50% Skilled Nursing Facility 75% Skilled Nursing Facility Skilled Nursing Facility Coinsurance Skilled Nursing Facility Coinsurance Coinsurance Coinsurance 50% Part A Deductible 75% Part A Deductible 50% Part A Deductible Part A Deductible Foreign Travel Emergency Foreign Travel Emergency Out-of-pocket limit $5,560; paid at 100% after limit reached Out-of-pocket limit $2,780; paid at 100% after limit reached 2
3 PREMIUM AND RENEWABILITY INFORMATION Your policy will stay in effect as long as you pay your premiums on time. You can choose to pay premiums monthly or every three months. Premium payments are due at the beginning of the period of time for which you are paying. You can always renew your policy at the premium rate in effect at the time of renewal. Your insurance will not lapse as long as you pay your premiums on time. Blue Cross and Blue Shield of South Carolina can only raise your premium if we raise the premium for all policies like yours in this state. If premiums change, you will be notified at least 31 days before the change, but you will not have to pay more on a premium you have paid in advance. Note that your premium increases as you enter an older attained age group. Plan A Select Plan F* Select Plan L Select Plan N Female Bank Draft Female Male Bank Draft Male Female Bank Draft Female Male Bank Draft Male Female Bank Draft Female Male Bank Draft Male Female Bank Draft Female Male Bank Draft Male Age 65 $93.63 $99.61 $ $ $55.08 $58.60 $61.20 $65.11 $96.00 $ $ $ $96.30 $ $ $ $97.84 $ $ $ $57.57 $61.24 $63.96 $68.04 $ $ $ $ $ $ $ $ $ $ $ $ $60.15 $63.99 $66.83 $71.10 $ $ $ $ $ $ $ $ $ $ $ $ $62.86 $66.87 $69.84 $74.30 $ $ $ $ $ $ $ $ $ $ $ $ $65.69 $69.88 $72.98 $77.64 $ $ $ $ $ $ $ $ $ $ $ $ $68.65 $73.03 $76.27 $81.14 $ $ $ $ $ $ $ $ $ $ $ $ $71.73 $76.31 $79.70 $84.79 $ $ $ $ $ $ $ $ $ $ $ $ $74.97 $79.75 $83.29 $88.61 $ $ $ $ $ $ $ $ $ $ $ $ $78.33 $83.33 $87.03 $92.59 $ $ $ $ $ $ $ $ $ $ $ $ $81.86 $87.08 $90.95 $96.76 $ $ $ $ $ $ $ $ $ $ $ $ $85.55 $91.01 $95.05 $ $ $ $ $ $ $ $ $ $ $ $ $ $89.39 $95.10 $99.33 $ $ $ $ $ $ $ $ $ $ $ $ $ $93.42 $99.38 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $97.62 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Rates may be reduced based on many factors that include, but are not limited to, Medigap Open Enrollment Period eligibility or guaranteed issue rights eligibility and underwriting considerations. Your rate may be higher or lower depending on these relevant factors. Until a policy is approved and issued your actual rates may be subject to change. An additional 5% discount may apply when at least two or more members of the same household purchase qualifying Medicare Supplement coverage through Blue Cross Blue Shield of South Carolina. 3
4 DISCLOSURES Use this outline to compare benefits and premiums among policies. This outline shows benefits and premiums of policies sold for an effective date on or after June 1, Policies sold for effective dates prior to June 1, 2010 have different benefits and premiums. Plans E, H, I and J are no longer available for sale after June 1, Read Your Policy Very Carefully This is only an outline describing your policy s most important features. The policy is your insurance contract. You must read the policy itself to understand all the rights and duties of both you and your insurance company. Right To Return Policy If you find that you are not satisfied with your policy, you may return it to Blue Cross and Blue Shield of South Carolina, Individual Products, Post Office Box 61153, Columbia, SC If you send the policy back to us within 30 days after you receive it, we will treat the policy as if it had never been issued and return all your payments, provided you have not filed any claims. Policy Replacement If you are replacing another health insurance policy, DO NOT cancel it until you have actually received your new policy and are sure you want to keep it. Notice This policy may not fully cover all of your medical costs. Neither Blue Cross and Blue Shield of South Carolina nor its agents are connected with Medicare. This outline of coverage does not give all the details of Medicare coverage. Contact your local Social Security office or consult the Medicare and You Guide for more details. Complete Answers Are Very Important When you fill out the application for the new policy, be sure to answer truthfully and completely all questions about your medical and health history (if applicable). The company may cancel your policy and refuse to pay any claims if you leave out or falsify important medical information. Review the application carefully before you sign it. Be certain that all information has been properly recorded. 4
5 Medicare (Part A) Hospital Services Per Benefit Period * A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. SERVICES MEDICARE PAYS PLAN A PAYS YOU PAY HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies: First 60 days 61 st through 90 th day 91 st day and after: While using 60 lifetime reserve days Once lifetime reserve days are used: Additional 365 days Beyond the additional 365 days All but $1,364 All but $341 a day All but $682 a day $341 a day $682 a day 100% of Medicare-eligible expenses $1,364 (Part A deductible) ** SKILLED NURSING FACILITY CARE* You must meet Medicare s requirements, including having been in a hospital for at least three days and entered a Medicareapproved facility within 30 days after leaving the hospital. First 20 days 21 st through 100 th day 101 st day and after All approved amounts All but $ a day Up to $ a day BLOOD First three pints Additional amounts 100% Three pints HOSPICE CARE You must meet Medicare s requirements, including a doctor s certification of terminal illness. All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care Medicare copayment/coinsurance **NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy s Core Benefits. During this time the hospital is prohibited from billing you for the balance based on any differences between its billed charges and the amount Medicare would have paid. 5
6 Medicare (Part B) Medical Services Per Calendar Year * Once you have been billed $185 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year. SERVICES MEDICARE PAYS PLAN A PAYS YOU PAY MEDICARE EXPENSES IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREAMENT, such as physician s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment: First $185 of Medicare-approved amounts* Remainder of Medicare-approved amounts Generally 80% Generally 20% $185 (Part B deductible) Part B Excess Charges (Above Medicare-approved amounts) BLOOD First three pints Next $185 of Medicare-approved amounts* Remainder of Medicare-approved amounts 80% 20% $185 (Part B deductible) CLINICAL LABORATORY SERVICES Tests for diagnostic services 100% MEDICARE (PART A & B) HOME HEALTHCARE MEDICARE-APPROVED SERVICES Medically necessary skilled care services and medical supplies Durable medical equipment First $185 of Medicare-approved amounts* Remainder of Medicare-approved amounts 100% 80% 20% $185 (Part B deductible) 6
7 Medicare (Part A) Hospital Services Per Benefit Period * A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. **This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2,300 deductible. Benefits from the high deductible Plan F will not begin until the out-of-pocket expenses are $2,300. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B, but does not include the plan s separate foreign travel emergency deductible. SERVICES MEDICARE PAYS AFTER YOU PAY $2,300 DEDUCTIBLE**, PLAN F* PAYS IN ADDITION TO $2,300 DEDUCTIBLE, YOU PAY HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies: Network Hospital First 60 days All but $1,364 $1,364 (Part A deductible)** Non-Network Hospital First 60 days All but $1,364 $1,364 (Part A deductible) 61 st through 90 th day 91 st day and after: While using 60 lifetime reserve days Once lifetime reserve days are used: Additional 365 days Beyond the additional 365 days SKILLED NURSING FACILITY CARE* You must meet Medicare s requirements, including having been in a hospital for at least three days and entered a Medicareapproved facility within 30 days after leaving the hospital. First 20 days 21 st through 100 th day 101 st day and after BLOOD First three pints Additional amounts HOSPICE CARE You must meet Medicare s requirements, including a doctor s certification of terminal illness. All but $341 a day All but $682 a day All approved amounts All but $ a day 100% All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care $341 a day $682 a day 100% of Medicare-eligible expenses Up to $ a day Three pints Medicare copayment/coinsurance 7 *** **Blue Select Plan F with High Deductible will pay the Medicare Part A deductible or its contractually agreed upon amount. No benefits for the Medicare Part A deductible will be paid when hospitalized in a non-network hospital unless the hospitalization was for emergency treatment as defined by Medicare (Title XVIII of the Social Security Act as Amended) or when the services are not available at a network hospital. ***NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy s Core Benefits. During this time the hospital is prohibited from billing you for the balance based on any differences between its billed charges and the amount Medicare would have paid.
8 Medicare (Part B) Medical Services Per Calendar Year * Once you have been billed $185 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year. **This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2,300 deductible. Benefits from the high deductible Plan F will not begin until the out-of-pocket expenses are $2,300. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B, but does not include the plan s separate foreign travel emergency deductible. SERVICES MEDICARE PAYS AFTER YOU PAY $2,300 DEDUCTIBLE**, PLAN F* PAYS IN ADDITION TO $2,300 DEDUCTIBLE, YOU PAY MEDICARE EXPENSES IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREAMENT, such as physician s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment: First $185 of Medicare-approved amounts* Remainder of Medicare-approved amounts Generally 80% $185 (Part B deductible) Generally 20% Part B Excess Charges (Above Medicare-approved amounts) 100% BLOOD First three pints Next $185 of Medicare-approved amounts* Remainder of Medicare-approved amounts 80% $185 (Part B deductible) 20% CLINICAL LABORATORY SERVICES Tests for diagnostic services 100% MEDICARE (PART A & B) HOME HEALTHCARE MEDICARE-APPROVED SERVICES Medically necessary skilled care services and medical supplies Durable medical equipment First $185 of Medicare-approved amounts* Remainder of Medicare-approved amounts 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 Remainder of charges 100% 80% OTHER BENEFITS Not Covered by Medicare $185 (Part B deductible) 20% 80% to a lifetime maximum benefit of $50,000 $250 20% and amounts over the $50,000 lifetime maximum 8
9 Medicare (Part A) Hospital Services Per Benefit Period * You will pay one-fourth of the cost-sharing of some covered services until you reach the annual out-of-pocket limit of $2,780 each calendar year. The amounts that count toward your annual limit are noted with diamonds ( ) in the chart below. Once you reach the annual limit, the plan pays 100% of your Medicare copayment and coinsurance for the rest of the calendar year. However, this limit does NOT include charges from your provider that exceed Medicare-approved amounts (these are called Excess Charges ) and you will be responsible for paying this difference in the amount charged by your provider and the amount paid by Medicare for the item or service. ** A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. SERVICES MEDICARE PAYS SELECT PLAN L PAYS YOU PAY* HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies: Network Hospital First 60 days All but $1,364 $1,023 (75% Part A deductible)*** $341 (25% Part A deductible) Non-Network Hospital First 60 days All but $1,364 $1,364 (Part A deductible) 61 st through 90 th day 91 st day and after: While using 60 lifetime reserve days Once lifetime reserve days are used: Additional 365 days Beyond the additional 365 days SKILLED NURSING FACILITY CARE** You must meet Medicare s requirements, including having been in a hospital for at least three days and entered a Medicareapproved facility within 30 days after leaving the hospital. First 20 days 21 st through 100 th day 101 st day and after BLOOD First three pints Additional amounts HOSPICE CARE You must meet Medicare s requirements, including a doctor s certification of terminal illness. All but $341 a day All but $682 a day All approved amounts All but $ a day 100% All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care $341 a day $682 a day 100% of Medicare-eligible expenses Up to $ a day 75% 75% of Medicare copayment/coinsurance **** Up to $42.63 a day 25% 25% of Medicare copayment/coinsurance **Blue Select Plan L will pay the Medicare Part A deductible or its contractually agreed upon amount. No benefits for the Medicare Part A deductible will be paid when hospitalized in a non-network hospital unless the hospitalization was for emergency treatment as defined by Medicare (Title XVIII of the Social Security Act as Amended) or when the services are not available at a network hospital. ***NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy s Core Benefits. During this time the hospital is prohibited from billing you for the balance based on any differences between its billed charges and the amount Medicare would have paid. 9
10 Medicare (Part B) Medical Services Per Calendar Year * Once you have been billed $185 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year. SERVICES MEDICARE PAYS SELECT PLAN L PAYS YOU PAY MEDICARE EXPENSES IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment: First $185 of Medicare-approved amounts* Preventive benefits for Medicare-covered services Remainder of Medicare-approved amounts Generally 75% or more of Medicare-approved amounts Generally 80% Remainder of Medicareapproved amounts Generally 15% $185 (Part B deductible)* above Medicareapproved amounts Generally 5% Part B Excess Charges (Above Medicare-approved amounts) (and they do not count toward annual out-of-pocket limit of $2,780)** BLOOD First three pints Next $185 of Medicare-approved amounts* Remainder of Medicare-approved amounts Generally 80% 75% Generally 15% 25% $185 (Part B deductible) 5% CLINICAL LABORATORY SERVICES Tests for diagnostic services 100% **This plan limits your annual out-of-pocket payments for Medicare-approved amounts to $2,780 per year. However, this limit does NOT include charges from your provider that exceed Medicare-approved amounts (these are called Excess Charges ) and you will be responsible for paying this difference in the amount charged by your provider and the amount paid by Medicare for the item or service. MEDICARE (PART A & B) HOME HEALTHCARE MEDICARE-APPROVED SERVICES Medically necessary skilled care services and medical supplies Durable medical equipment First $185 of Medicare-approved amounts*** Remainder of Medicare-approved amounts 100% 80% 15% ***Medicare benefits are subject to change. Please consult the latest Guide to Health Insurance for People with Medicare. $185 (Part B deductible) 5% 10
11 Medicare (Part A) Hospital Services Per Benefit Period * A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. SERVICES MEDICARE PAYS PLAN N PAYS YOU PAY HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies: Network Hospital First 60 days All but $1,364 $1,364 (Part A deductible)** Non-Network Hospital First 60 days All but $1,364 $1,364 (Part A deductible) 61 st through 90 th day 91 st day and after: While using 60 lifetime reserve days Once lifetime reserve days are used: Additional 365 days Beyond the additional 365 days SKILLED NURSING FACILITY CARE* You must meet Medicare s requirements, including having been in a hospital for at least three days and entered a Medicareapproved facility within 30 days after leaving the hospital. First 20 days 21 st through 100 th day 101 st day and after BLOOD First three pints Additional amounts HOSPICE CARE You must meet Medicare s requirements, including a doctor s certification of terminal illness. All but $341 a day All but $682 a day All approved amounts All but $ a day 100% All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care $341 a day $682 a day 100% of Medicare-eligible expenses Up to $ a day Three pints Medicare copayment/coinsurance *** **Blue Select Plan N will pay the Medicare Part A deductible or its contractually agreed upon amount. No benefits for the Medicare Part A deductible will be paid when hospitalized in a non-network hospital unless the hospitalization was for emergency treatment as defined by Medicare (Title XVIII of the Social Security Act as Amended) or when the services are not available at a network hospital. ***NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy s Core Benefits. During this time the hospital is prohibited from billing you for the balance based on any differences between its billed charges and the amount Medicare would have paid. 11
12 Medicare (Part B) Medical Services Per Calendar Year * Once you have been billed $185 of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year. SERVICES MEDICARE PAYS PLAN N PAYS YOU PAY MEDICARE EXPENSES IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREAMENT, such as physician s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment: First $185 of Medicare-approved amounts* 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 up to $50 is waived if you are admitted to any hospital and the emergency visit is covered as a Medicare Part A expense. Part B Excess Charges (Above Medicare-approved amounts) BLOOD First three pints Next $185 of Medicare-approved amounts* Remainder of Medicare-approved amounts 80% 20% CLINICAL LABORATORY SERVICES Tests for diagnostic services 100% MEDICARE (PART A & B) HOME HEALTHCARE MEDICARE-APPROVED SERVICES Medically necessary skilled care services and medical supplies Durable medical equipment First $185 of Medicare-approved amounts** Remainder of Medicare-approved amounts 80% 20% **Medicare benefits are subject to change. Please consult the latest Guide to Health Insurance for People with Medicare. 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 Remainder of charges 100% OTHER BENEFITS Not Covered by Medicare 80% to a lifetime maximum benefit of $50,000 $185 (Part B deductible)* Up to $20 per office visit and up to $50 per emergency room visit. The copayment up to $50 is waived if you are admitted to any hospital and the emergency visit is covered as a Medicare Part A expense. $185 (Part B deductible) $185 (Part B deductible) $250 20% and amounts over the $50,000 lifetime maximum 12
13 HOSPITALS WHICH ARE NOT CERTIFIED BY THE MEDICARE PROGRAM Some hospitals are not certified by the Medicare program. The Blue Select Plan F* and N will pay the Medicare Part A deductible for a noncertified Medicare hospital when services are recognized by the Medicare program as an emergency. The Blue Select Plan L will pay 75% of the Medicare Part A deductible for a noncertified Medicare hospital when services are recognized by the Medicare program as an emergency. Emergency treatment or care means treatment or care for patients with unforeseen severe or life-threatening illness, injury or conditions that require immediate intervention to prevent death or serious impairment of your health or bodily function. CONTINUATION OF COVERAGE Blue Select policies provide for continuation of coverage. If a Blue Select policy is discontinued, you can purchase, without evidence of insurability, any Medicare supplement contract offered by Blue Cross and Blue Shield of South Carolina which has comparable or lesser benefits and which does not contain a restricted network provision. A Medicare supplement contract is considered to have comparable or lesser benefits unless it has one or more significant benefits not included in the contract being offered. GRIEVANCE PROCEDURES To file a formal grievance concerning denied benefits or any aspect of Blue Cross and Blue Shield of South Carolina s administration of a Blue Select Plan or the provision of services by a network hospital, you must write to the Director of Individual Products, Blue Cross and Blue Shield of South Carolina, Post Office Box 61153, Columbia, South Carolina You should complete the Request for Review, and attach pertinent medical records or other information that you have to support your grievance. You can also request a description of any pertinent records that Blue Cross and Blue Shield of South Carolina used to make its original decision to deny the claim in whole or in part. The Director of Individual Products will have the grievance researched and prepare a comprehensive problem statement. This statement will be presented to the Appeals Review Committee (or its designee) that will conduct a thorough investigation. The Appeals Review Committee is composed of the Medical Director of Blue Cross and Blue Shield of South Carolina, the Vice President of Group and Individual Operations and the Claims Supervisor for Individual Products. Formal notification of the findings of the investigation will be made in writing to all parties involved. You will receive a response within 30 days of the filing. For grievances relating to quality of care or service concerns, you will be notified that action is being taken. You can contact the Director of Individual Products for information regarding disposition. If medical records or other essential information is not received by Blue Cross and Blue Shield of South Carolina within 30 days, the grievance will be considered closed until the requested information is received. You will be notified that the grievance has been closed. If there are special circumstances that require an extensive review, the final response will be made within 60 days of receipt of the grievance. You will be notified if additional time is needed to complete the response. 13
14 Blue Cross and Blue Shield of South Carolina Outline of Blue Select Coverage Benefit Plans Traditional Plan A and Select Plans High Deductible F, L and N 13080M (Rev. 1/18) Ord.# 13080M
15 Rvs 3/13/ /[Type here] [Type here] [Type here]
16 Rvs 3/13/ /[Type here] [Type here] [Type here]
Basic, including 100% Part B coinsurance
BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA An Independent Licensee of the Blue Cross and Blue Shield Association OUTLINE OF BLUE SELECT COVERAGE COVER PAGE 1 of 2: BENEFIT PLANS TRADITIONAL A and BLUE
Basic, including 100% Part B coinsurance
BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA An Independent Licensee of the Blue Cross and Blue Shield Association OUTLINE OF BLUE SELECT COVERAGE COVER PAGE 1 of 2: BENEFIT PLANS TRADITIONAL A and BLUE
Basic, including 100% Part B coinsurance
BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA An Independent Licensee of the Blue Cross and Blue Shield Association OUTLINE OF BLUE SELECT COVERAGE COVER PAGE 1 of 2: BENEFIT PLANS TRADITIONAL A and BLUE
Basic, including 100% Part B coinsurance. Coinsurance Part A Deductible Part A Deductible Part A Deductible Part A Deductible Part A Deductible
BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA An Independent Licensee of the Blue Cross and Blue Shield Association OUTLINE OF BLUECARE COVERAGE COVER PAGE 1 of 2: BENEFIT PLANS A, F with High Deductible,
Basic, including 100% Part B coinsurance. Foreign Travel Emergency
BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA An Independent Licensee of the Blue Cross and Blue Shield Association OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE 1 of 2: BENEFIT PLANS A, C, L and N
Basic, Including 100% Part B Coinsurance. Part B Coinsurance. Coinsurance* 50% Skilled Nursing Facility Coinsurance. Skilled Nursing Facility
AMERICAN RETIREMENT LIFE INSURANCE COMPANY P. O. BOX 26580 AUSTIN, TX 78755-0580 866-459-4272 Outline of Medicare Supplement Coverage - Benefit Plans A, F, G and N This chart shows the benefits included
THE MANHATTAN LIFE INSURANCE COMPANY Outline of Medicare Supplement Coverage-Cover Page Benefit Plans A, C, F, G, AND N
THE MANHATTAN LIFE INSURANCE COMPANY Outline of Medicare Supplement Coverage-Cover Page Benefit Plans A, C, F, G, AND N These charts show the benefits included in each of the standard Medicare supplement
A B C D F / F* G K L M N Basic including 100% Part B Coinsurance. Coinsurance. Coinsurance. Skilled Nursing Facility
This chart show the benefits included in each of the standard Medicare Supplement plans. Every insurer must make available Plan A. Some plans may not be available in your state. See Outlines of Coverage
Basic, Including 100% Part B Coinsurance. Part B Coinsurance. Coinsurance* 50% Skilled Nursing Facility Coinsurance. Skilled Nursing Facility
AMERICAN RETIREMENT LIFE INSURANCE COMPANY P. O. BOX 26580 AUSTIN, TX 78755-0580 866-459-4272 Outline of Medicare Supplement Coverage - Benefit Plans A, F, G and N This chart shows the benefits included
STONEBRIDGE LIFE INSURANCE COMPANY OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, F, G AND N
STONEBRIDGE LIFE INSURANCE COMPANY OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, F, G AND N These charts show the benefits included in each of the standard Medicare supplement plans.
Outline of Medicare Supplement Coverage
Outline of Medicare Supplement Coverage Cover page 1 of 2 Benefit Chart of Medicare Supplement Plans Sold on or After June 1, 2010 Plans A, F, G, N These charts show the benefits included in each of the
Medicare Supplement Outline of Coverage
Medicare Supplement Outline of Coverage Plans A, F & N Anthem Blue Cross and Blue Shield New Hampshire 2016 This booklet includes premium rates, Medicare deductibles, copays and maximum out-of-pocket costs.
Basic, including. Hospitalization and preventive care paid. 50% Skilled Nursing. Part A Deductible. 50% Part A. Deductible
United World Life Insurance Company A Mutual of Omaha Company OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, C, D, F, HIGH DEDUCTIBLE F, G AND N This chart shows the benefits included
Plan A Plan B Plan C Plan D Plan F F* Plan G Plan K Plan L Plan M Plan N. Hospitalization: 100%; other basic benefits paid at 50%
UNITED WORLD LIFE INSURANCE COMPANY OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, F, HIGH DEDUCTIBLE F, G, AND N This chart shows the benefits included in each of the standard Medicare
to $20 co-payment for office Basic, including 100% Part B Co-insurance, except up visit, and up to $50copayment Co-insurance Part A Deductible
STONEBRIDGE LIFE INSURANCE COMPANY OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, F, G AND N These charts show the benefits included in each of the standard Medicare supplement plans.
Basic, including. Hospitalization and preventive care paid. 50% Skilled Nursing. Part A Deductible. 50% Part A. Deductible
Omaha Insurance Company A Mutual of Omaha Company OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, F, HIGH DEDUCTIBLE F, G AND N This chart shows the benefits included in each of the
Plan A Plan B Plan C Plan D Plan F F* Plan G Plan K Plan L Plan M Plan N. Hospitalization: Skilled Nursing. 50% Skilled Nursing. Facility Coinsurance
Omaha Insurance Company A Mutual of Omaha Company OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, C, F, HIGH DEDUCTIBLE F, G AND N This chart shows the benefits included in each of
Basic, including. Hospitalization and preventive care paid. 50% Skilled Nursing. Part A Deductible. 50% Part A. Deductible
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Hospitalization and preventive care paid at 100%; other basic benefits paid at 50% Skilled Nursing. 50% Skilled Nursing. Facility Coinsurance
Omaha Insurance Company A Mutual of Omaha Company OUTLINE OF MEDICARE SUPPLEMENT COVERAGE COVER PAGE BENEFIT PLANS A, F, HIGH DEDUCTIBLE F, G AND N This chart shows the benefits included in each of the
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