Q:

What are Plan 65 benefit plans from Blue Cross?

A:

Quick Answer

Plan 65 benefit plans cover co-payments and co-insurance, the original Medicare including Part A and B, skilled nursing facilities, and foreign travel emergency services. There are three types of Plan 65 insurance coverage: 2015 Plan 65 F, 2015 Plan 65 and 2015 Plan 65 A, says Blue Cross Blue Shield of Rhode Island .

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Full Answer

The benefit plans are further broken down to inpatient hospital care, skilled nursing facility care, doctor’s visits for preventive services, home health care and outpatient surgery. Other benefits include end-stage renal dialysis, diagnostic tests and lab services, durable medical equipment, ambulance services, and foreign travel, according to Blue Cross Blue Shield of Rhode Island Blue Cross.

Both the 2015 Plan 65 F and 2015 Plan 65 require the insured party to pay 20 percent of the foreign travel emergency services coverage once the annual deductible coverage for emergency health care is met during the first two months of each trip. As of 2015, the annual deductible cover is $250, states Blue Cross Blue Shield of Rhode Island .

In addition, the company has a $50,000 lifetime maximum on foreign travel emergency service. The insured party is not required to make any further payments for all other benefits on 2015 Plan 65 F and 2015 Plan 65, recounts Blue Cross Blue Shield of Rhode Island .

For Plan 65 A, the insured party pays $1,260 for inpatient hospital care within the first two months of the cover, $157.50 per day between the 21st and 100th day of skilled nursing facility care, and all the costs for foreign travel emergency services, says Blue Cross Blue Shield of Rhode Island .

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