- Premera Blue Cross Blue Shield offers Medicare supplement (Medigap) plans A, F, G, and N in Washington and Alaska.
- If you’re already enrolled in Premera Medigap Plan F, you can keep your plan. If you were eligible for Medicare before January 1, 2020, you may still be able to enroll in Plan F.
- Premera plans in Washington are community rated, which means everyone in the area pays the same rates. Premium costs in Alaska vary according to your age, but everyone in the same age category pays the same rate, regardless of health conditions.
Premera Blue Cross Blue Shield offers Medicare supplement (Medigap) plans in Washington state and Alaska. These plans are not affiliated with the government and are offered by a private insurance company.
They can help you pay medical costs that aren’t fully covered by original Medicare, which is made up of Part A and Part B. These costs include coinsurance, copays, and deductibles.
Let’s learn more about the plans that Premera offers, what they cover, and how much they may cost where you live.
Though these plans are based in Washington and Alaska, they are portable — meaning you’ll be covered if you’re traveling throughout the United States and need healthcare.
Some plans even offer coverage if you have a health emergency when you’re out of the country.
Premera Medigap plans cover services provided by any doctor, hospital, or facility that accepts Medicare. You don’t need to restrict yourself to healthcare providers in a particular network.
Next, we’ll go over what each of Premera’s Medigap plans offers.
Premera Medicare Supplement Plan A
The government requires all insurers selling Medigap policies to offer Plan A. It provides basic coverage to help you fill some of the gaps in original Medicare coverage.
Premera Medicare Supplement Plan F
Beginning January 1, 2020, Plan F policies are no longer being sold to new Medicare enrollees.
However, if you’re already enrolled in Plan F, you’re allowed to keep it. And if you were eligible for Medicare before January 1, 2020, you can still enroll in Plan F.
Premera Medicare Supplement High-Deductible Plan F
Some Plan F policies offer the same coverage but with a lower monthly premium. This premium is offset, however, by a higher deductible.
Like regular Plan F, the high-deductible version is also being phased out. So, it comes with the same enrollment restrictions described above.
Premera Medicare Supplement Plan G
Plan G also offers extensive coverage. Like Plan F, Plan G is available with a regular premium or a lower premium with a high deductible.
One nice part of Plan G is that paying your Part B deductible counts toward reaching your overall plan deductible.
Premera Medicare Supplement Plan N
If you’re carefully managing your monthly budget, it’s important to know that with Plan N, you’ll have copays of up to $20 for many office visits. If you visit the emergency room, you may have a copay of up to $50 if you’re not admitted to the hospital for inpatient care.
Premera Medigap policies offer help paying healthcare costs that original Medicare doesn’t fully cover. Let’s compare what each plan offers in terms of covering your Medicare costs.
|Plan A||Plan F||Plan G||Plan N|
|Part A coinsurance||100% after you pay the Part A hospital deductible of $1,408||100%||100%||100%|
|Part B coinsurance and copays||100%||100%||100%||100%*|
|First 3 pints of blood||100%||100%||100%||100%|
|Hospice coinsurance and copays||100%||100%||100%||100%|
|Skilled nursing facility coinsurance||not covered||100%||100%||100%|
|Part A deductible||not covered||100%||100%||100%|
|Part B deductible||not covered||100%||not covered||not covered|
|Part B excess costs||not covered||100%||not covered||not covered|
|Emergency care while traveling outside the United States||not covered||80%||80%||80% up to a lifetime max of $50,000|
|Notes||high-deductible plan F offers these benefits only after you meet the annual deductible||high-deductible plan G offers these benefits only after you meet the annual deductible||*copays: $20 per doctor’s office visit and $50 per ER visit, unless you’re admitted for inpatient care|
In Washington, Premera’s Medicare supplement plans are community rated, which means everyone in the plan pays the same rate across the state.
In Alaska, your plan rate differs according to your age as of January 1 of the plan year. Your rate won’t go up, even if your health changes, unless everyone else’s rate also increases.
Here’s what you can expect to pay for each Premera Medicare supplement plan in 2020.
Plan A costs
In Washington, if you choose to have your payment automatically deducted, your premium will be $184 each month. If you choose manual payment, your monthly premium will be $189.
In Alaska, Plan A costs vary by age:
- Ages 65 to 69: $145
- Ages 70 to 74: $177
- Ages 75 and over: $220
These costs are for policies that are automatically deducted. There’s an additional $5 fee per month for manual payment on policies sold in Alaska.
Plan G costs
In Washington, if you choose to have your premium automatically deducted, your payment will be $189. With manual payment, your rate goes up slightly to $194 a month.
If you choose Plan G with a high deductible, your monthly premium will be $47 with automatic deductions and $52 with manual payment. Your benefits will begin after you’ve met the $2,340 deductible.
In Alaska, monthly premiums for Plan G vary by age:
- Age 65: $129
- Age 66: $136
- Age 67: $146
- Age 68: $155
- Age 69: $176
- Ages 70 to 74: $185
- Ages 75 and over: $248
Again, these premiums are for automatically deducted payments. You’ll need to add an additional $5 per month if you pay each month’s bill manually.
For Plan G policies with a high deductible in Alaska, here are the age-based monthly premium costs for automatic deductions:
- Age 65: $45
- Age 66: $48
- Age 67: $50
- Age 68: $53
- Age 69: $57
- Ages 70 to 74: $65
- Ages 75 and over: $83
A monthly fee of $5 is applicable on premiums paid via manual payment.
Plan N costs
With automatic deductions, your Plan N premium in Washington is $182 in 2020. Manual payment raises the Plan N monthly premium to $187.
For plans sold in Alaska, the age-rated monthly premiums are:
- Ages 65 to 69: $141
- Ages 70 to 74: $170
- Ages 75 and over: $214
These costs are for policies where the premiums are automatically deducted. You’ll have to add a $5 fee for manual payment.
Medicare supplement insurance pays for gaps in the coverage you receive through original Medicare (Part A and Part B).
For example, Medicare typically pays 80 percent of the cost of your healthcare services, leaving you with a coinsurance amount of 20 percent. A Medigap policy would help you pay your 20 percent of the cost.
Medigap policies are offered by private insurance companies, and not all plans are offered in every area. However, the coverage offered by each plan is standardized — so, for example, all Plan G policies offer the same coverage no matter the location.
Massachusetts, Minnesota, and Wisconsin offer similar coverage, but their plans have different names and may vary slightly.
You can only purchase a Medigap policy if you’re enrolled in original Medicare. If you’re enrolled in a Medicare Advantage (Medicare Part C) plan, then Medicare supplement plans aren’t available to you.
Premera Blue Cross Blue Shield offers Medicare supplement plans A, F, G, and N in Alaska and Washington state. However, Plan F policies are not available for new enrollees after January 1, 2020, unless you were eligible for Medicare before that date.
Premera plans are portable. The benefits they offer are available to you nationwide, as long as you’re being treated by a Medicare-approved healthcare provider or facility.
To see which Medicare supplement plans are available in your area as well as compare the costs and benefits they offer, you can use Medicare’s plan finder tool.
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