Our Rating: 

High Deductible Plan F has the same benefits as Plan F after you pay an annual $2,200 deductible. The deductible amount represents the annual out-of-pocket expenses (excluding premiums) that you must pay before the policy begins paying benefits. By having a high deductible, your premiums are significantly lower than Standard Plan F.

High Deductible Plan F covers:

• 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 $2,200.
• 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
• $183 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

Our Rating: 

Plan G covers:

• Your $1,316 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
• Foreign travel emergency care

Plan G does NOT cover:

• Your $183 Medicare Part B deductible

There is also a BCBSWI Medicare-Select Plan G that offers the same benefits as Standard Plan G but provides costs savings by agreeing to use a Medicare Select particpating hospital for non-emergencies. You may still see any doctor you choose with Medicare-Select plans. If your hospital is part of the Medicare Select network, the Med-Select plan is a good option to consider.

Our Rating:

• Online Application

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 Medicare Part B deductible.

Plan N 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
• 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
• Foreign travel emergency care

Plan N does NOT cover:

• Your $183 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.

Eligibility
• Wisconsin Resident age 65 and over
• Must have Medicare Parts A & B
• May not duplicate an inforce Medicare Supplement

Area is determined by the first 3 digits of your zipcode.
Area 1:
754-759; 763-769;
778-792; 795-799; 885
Area 2:
750-753; 760-762;
770-777; 793-794
Area 3:
out-of-state