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Roberson Insurance Agency, Inc.
1945 Malbon Road
Virginia Beach, VA 23456
1-(888)-380-2505




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Anthem Medicare Supplement Plans : Closing the Medicare Gap

Medicare Supplement Insurance is health insurance that supplements original Medicare to reduce your out-of-pocket costs for most services. Medicare Supplemental Plans are sometimes referred to as "Medigap" plans. These plans don't replace orginial medicare - you keep your existing coverage. Instead, these Medicare Supplements work with Medicare to close the Medicare gap, giving you more comprehensive coverage.

Anthem Blue Cross and Blue Shield of Virginia offers several Medicare Supplement plans for Virginia seniors:

  1. Plan A, Low Cost, Minimum Benefits.
  2. Plan F, Most Complete Coverage, Competetive Pricing.
  3. Plan F High Deductible, Same as Plan F, but offers lower monthly premiums and higher deductibles. This plan offers the same benefits as Plan F after the calendar year $2,000 deductible is paid. Benefits from do not begin until out-of-pocket expenses exceed $2,000.
  4. Plan G, A compromise that offers lower monthly premiums than Plan F, but does not cover Part B Deductible.
  5. Plan N, A greater compromise than Plan G, offers lower premiums but does not cover Part B Deductibles or Part B Excess.

Please take a moment to view the details of each plan, compare benefits, and choose the best plan for your needs. If you would like personal assistance, call us at (757) 426-9797 or 1-(888) 380-2505 to talk with a real person. We would be glad to help you.




Compare Anthem's Medicare Supplement Plans in Virginia


  Plan A Plan F Plan F
(High Deductible)
Plan G Plan N
 

 
 
   
 

Basic Coverage*


Option Included


Option Included


Option Included


Option Included


Option Included

Skilled Nursing Facility Coinsurance




Option Included


Option Included


Option Included


Option Included

Part A Deductible




Option Included


Option Included


Option Included


Option Included

Part B Deductible




Option Included


Option Included

   

Part B Excess Coverage




Option Included


Option Included


Option Included

 

Foreign Travel Emergency



Option Included


Option Included


Option Included


Option Included

           
Top

* Basic Coverage includes:

  • Hospitalization Benefits, Part A coinsurance plus coverage for 365 days after Medicare benefits end.
  • Medical Expenses, Part B coinsurance or copayments for hospital outpatient services.
  • Blood, covers first 3 pints of blood each year
  • Hospice, Part A coinsurance. 
     

Learn More about Medicare Supplemental Insurance in Virginia   Call to Sign Up for Anthem Medicare Supplemental Insurance

 

 

Medicare Supplement Plan Premiums in Virginia


 Attained Age Plan A Plan F Plan F
(High Deductible)
Plan G Plan N

 

 
 
     

65

$62.00
$108.00
$32.00
$98.00
$77.00

66

$66.00
$119.00
$35.00
$108.00
$85.00

67

$69.00
$125.00
$38.00
$114.00
$89.00

68

$72.00
$132.00
$40.00
$120.00
$94.00

69

$74.00
$138.00
$43.00
$126.00
$99.00

70

$77.00
$143.00
$46.00
$130.00
$102.00

71

$81.00
$149.00
$48.00
$136.00
$107.00

72

$83.00
$155.00
$51.00
$141.00
$111.00

73

$85.00
$161.00
$54.00
$147.00
$115.00

74

$87.00
$166.00
$57.00
$151.00
$119.00

75+

$90.00
$180.00
$63.00
$164.00
$129.00
           
Top

Learn More about Medicare Supplemental Insurance in Virginia   Call to Sign Up for Anthem Medicare Supplemental Insurance

 

The following sections discuss the benefits of each Medicare Supplement Plan in detail. In summary,  Plan A offers basic benefits at the lowest prices, Plan F offers the most comprehensive benefits at reasonable prices, and Plan F High Deductible offers the most comprehensive benefits with low monthly premiums in exchange for a $2,000 calendar year deductible before benefits are drawn upon. Plan G provides most of the benefits of Plan F with lower premiums, but doesn't cover Part B Deductible expenses. Plan N is a compromise plan that offers even lower monthly premiums, but doesn't cover Part B Deductible or Part B Excess costs.

 


PLAN A Benefits In Detail


Services Medicare
Pays
Plan A Pays You Pay

 

 
 
 

MEDICARE (PART A) HOSPITAL SERVICES

Hospitalization




First 60 Days
All but $1,100
$0
$1,100 (Part A deductible)
61st through 90th day
All but $275.00 / day
$275 a day
$0
91st day and after:
  • While using 60 lifetime days

All but $550 a day

$550 a day

$0
Once lifetime reserve days are used:
  • Additional 365 days


$0

100% of Medicare
eligible expenses


$0
  • Beyond 365 days
$0
$0
All Costs

Skilled Nursing Facility Care




First 20 days
All approved amounts
$0
$0
21st thru 100th day
All but $137.50 a day
$0
Up to $137.50 a day
101st day and after
$0
$0
All costs

Blood




First 3 pints
$0
3 pints
$0
Additional amounts
100%
$0
$0

Hospice Care

All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care
Medicare copayment/ coinsurance
$0

MEDICARE (PART B) SERVICES

Medical Expenses 

In or Out of Hospital & Outpatient Hospital Treatment


 

 

 
First $155 of Medicare Approved Amounts
$0
$0
$155 (Part B Deductible)
Remainder of Medicare Approved Amounts
Generally 80%
Generally 20%
$0

Part B Excess Charges

 
   
Above Medicare
Approved Amounts
$0
$0
All Costs

Blood

     
First 3 pints
$0
All costs
$0
Next $155 of Medicare Approved Amounts*
$0
$0
$155 (Part B deductible)
Remainder of Medicare Approved Amounts
80%
20%
$0

Clinical Laboratory Services

     
Tests for Diagnostic Services
100%
$0
$0

MEDICARE (PARTS A & B) SERVICES

Home Health Care — Medicare Approved Services

     
Medically necessary
skilled care services
and medical supplies
100%
$0
$0
Durable medical equipment:
  • First $155 of Medicare approved amounts*

$0

$0

$155 (Part B deductible)
  • Remainder of Medicare approved amounts
80%
20%
$0
OTHER BENEFITS:



Voluntary Individual Outcomes Management Program
(if applicable)

Anthem covers the full cost of these alternative treatment options to the extent the costs are not paid by Medicare
$0
       
Top

Note: This is not an Anthem Insurance Policy, but a brief summary of benefits offered by Anthem. Click here to visit Anthem's Website.


Learn More about Medicare Supplemental Insurance in Virginia   Call to Sign Up for Anthem Medicare Supplemental Insurance

 


PLAN F Benefits In Detail


Services Medicare
Pays
Plan F Pays You Pay

 

 
 
 

MEDICARE (PART A) HOSPITAL SERVICES

Hospitalization




First 60 Days
All but $1,100
$1,100 (Part A deductible)
$0
61st through 90th day
All but $275.00 / day
$275 a day
$0
91st day and after:
  • While using 60 lifetime days

All but $550 a day

$550 a day

$0
Once lifetime reserve days are used:
  • Additional 365 days


$0

100% of Medicare
eligible expenses


$0
  • Beyond 365 days
$0
$0
All Costs

Skilled Nursing Facility Care




First 20 days
All approved amounts
$0
$0
21st thru 100th day
All but $137.50 a day
Up to $137.50 a day
$0
101st day and after
$0
$0
All costs

Blood




First 3 pints
$0
3 pints
$0
Additional amounts
100%
$0
$0

Hospice Care

All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care
Medicare copayment/ coinsurance
$0

MEDICARE (PART B) SERVICES

Medical Expenses 

In or Out of Hospital & Outpatient Hospital Treatment




First $155 of Medicare Approved Amounts
$0
$155 (Part B deductible)
$0
Remainder of Medicare Approved Amounts
Generally 80%
Generally 20%
$0

Part B Excess Charges


 
   
Above Medicare
Approved Amounts
$0
100%
$0

Blood

     
First 3 pints
$0
All costs
$0
Next $155 of Medicare Approved Amounts*
$0
$155 (Part B deductible)
$0
Remainder of Medicare Approved Amounts
80%
20%
$0

Clinical Laboratory Services

     
Tests for Diagnostic Services
100%
$0
$0

MEDICARE (PARTS A & B) SERVICES

Home Health Care — Medicare Approved Services

     
Medically necessary
skilled care services
and medical supplies
100%
$0
$0
Durable medical equipment:
  • First $155 of Medicare approved amounts*
$0
$155 (Part B deductible)
$0
  • Remainder of Medicare approved amounts
80%
20%
$0
OTHER BENEFITS:



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
$0
$0
$250
Remainder of Charges
$0
80% to a lifetime maximum benefit of $50,000
20% and amounts over the $50,000 lifetime maximum
Voluntary Individual Outcomes Management Program
(if applicable)

Anthem covers the full cost of these alternative treatment options to the extent the costs are not paid by Medicare
$0
       
Top

Note: This is not an Anthem Insurance Policy, but a brief summary of benefits offered by Anthem. Click here to visit Anthem's Website.


Learn More about Medicare Supplemental Insurance in Virginia   Call to Sign Up for Anthem Medicare Supplemental Insurance

 


PLAN F High Deductible Benefits In Detail


Services Medicare
Pays
After Deductible
Plan F Pays
After Deductible
You Pay

 

 
 
 

MEDICARE (PART A) HOSPITAL SERVICES

Hospitalization




First 60 Days
All but $1,100
$1,100 (Part A deductible)
$0
61st through 90th day
All but $275.00 / day
$275 a day
$0
91st day and after:
While using 60 lifetime days
All but $550 a day
$550 a day
$0
Once lifetime reserve days are used:
  • Additional 365 days


$0

100% of Medicare
eligible expenses


$0
  • Beyond 365 days
$0
$0
All Costs

Skilled Nursing Facility Care




First 20 days
All approved amounts
$0
$0
21st thru 100th day
All but $137.50 a day
Up to $137.50 a day
$0
101st day and after
$0
$0
All costs

Blood




First 3 pints
$0
3 pints
$0
Additional amounts
100%
$0
$0

Hospice Care

All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care
Medicare copayment/ coinsurance
$0

MEDICARE (PART B) SERVICES

Medical Expenses 

In or Out of Hospital & Outpatient Hospital Treatment




First $155 of Medicare Approved Amounts
$0
$155 (Part B deductible)
$0
Remainder of Medicare Approved Amounts
Generally 80%
Generally 20%
$0

Part B Excess Charges


 
   
Above Medicare
Approved Amounts
$0
100%
$0

Blood

     
First 3 pints
$0
All costs
$0
Next $155 of Medicare Approved Amounts*
$0
$155 (Part B deductible)
$0
Remainder of Medicare Approved Amounts
80%
20%
$0

Clinical Laboratory Services

     
Tests for Diagnostic Services
100%
$0
$0

MEDICARE (PARTS A & B) SERVICES

Home Health Care — Medicare Approved Services

     
Medically necessary
skilled care services
and medical supplies
100%
$0
$0
Durable medical equipment:
  • First $155 of Medicare approved amounts*
$0
$155 (Part B deductible)
$0
  • Remainder of Medicare approved amounts
80%
20%
$0
OTHER BENEFITS:



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
$0
$0
$250
Remainder of Charges
$0
80% to a lifetime maximum benefit of $50,000
20% and amounts over the $50,000 lifetime maximum
Voluntary Individual Outcomes Management Program
(if applicable)

Anthem covers the full cost of these alternative treatment options to the extent the costs are not paid by Medicare
$0
       
Top

Note: This is not an Anthem Insurance Policy, but a brief summary of benefits offered by Anthem. Click here to visit Anthem's Website.


Learn More about Medicare Supplemental Insurance in Virginia   Call to Sign Up for Anthem Medicare Supplemental Insurance

 


PLAN G Benefits In Detail


Services Medicare
Pays
Plan G Pays You Pay

 

 
 
 

MEDICARE (PART A) HOSPITAL SERVICES

Hospitalization




First 60 Days
All but $1,100
$1,100 (Part A deductible)
$0
61st through 90th day
All but $275.00 / day
$275 a day
$0
91st day and after:
  • While using 60 lifetime days

All but $550 a day

$550 a day

$0
Once lifetime reserve days are used:
  • Additional 365 days


$0

100% of Medicare
eligible expenses


$0
  • Beyond 365 days
$0
$0
All Costs

Skilled Nursing Facility Care




First 20 days
All approved amounts
$0
$0
21st thru 100th day
All but $137.50 a day
Up to $137.50 a day
$0
101st day and after
$0
$0
All costs

Blood




First 3 pints
$0
3 pints
$0
Additional amounts
100%
$0
$0

Hospice Care

All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care
Medicare copayment/ coinsurance
$0

MEDICARE (PART B) SERVICES

Medical Expenses 

In or Out of Hospital & Outpatient Hospital Treatment


 

 

 
First $155 of Medicare Approved Amounts
$0
$0
$155 (Part B Deductible)
Remainder of Medicare Approved Amounts
Generally 80%
Generally 20%
$0

Part B Excess Charges

 
   
Above Medicare
Approved Amounts
$0
100%
$0

Blood

     
First 3 pints
$0
All costs
$0
Next $155 of Medicare Approved Amounts*
$0
$0
$155 (Part B deductible)
Remainder of Medicare Approved Amounts
80%
20%
$0

Clinical Laboratory Services

     
Tests for Diagnostic Services
100%
$0
$0

MEDICARE (PARTS A & B) SERVICES

Home Health Care — Medicare Approved Services

     
Medically necessary
skilled care services
and medical supplies
100%
$0
$0
Durable medical equipment:
  • First $155 of Medicare approved amounts*

$0

$0

$155 (Part B deductible)
  • Remainder of Medicare approved amounts
80%
20%
$0
OTHER BENEFITS:



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
$0
$0
$250
Remainder of Charges
$0
80% to a lifetime maximum benefit of $50,000
20% and amounts over the $50,000 lifetime maximum
Voluntary Individual Outcomes Management Program
(if applicable)

Anthem covers the full cost of these alternative treatment options to the extent the costs are not paid by Medicare
$0
       
Top

Note: This is not an Anthem Insurance Policy, but a brief summary of benefits offered by Anthem. Click here to visit Anthem's Website.


Learn More about Medicare Supplemental Insurance in Virginia   Call to Sign Up for Anthem Medicare Supplemental Insurance

 


PLAN N Benefits In Detail


Services Medicare
Pays
Plan N Pays You Pay

 

 
 
 

MEDICARE (PART A) HOSPITAL SERVICES

Hospitalization




First 60 Days
All but $1,100
$1,100 (Part A deductible)
$0
61st through 90th day
All but $275.00 / day
$275 a day
$0
91st day and after:
  • While using 60 lifetime days

All but $550 a day

$550 a day

$0
Once lifetime reserve days are used:
  • Additional 365 days


$0

100% of Medicare
eligible expenses


$0
  • Beyond 365 days
$0
$0
All Costs

Skilled Nursing Facility Care




First 20 days
All approved amounts
$0
$0
21st thru 100th day
All but $137.50 a day
Up to $137.50 a day
$0
101st day and after
$0
$0
All costs

Blood




First 3 pints
$0
3 pints
$0
Additional amounts
100%
$0
$0

Hospice Care

All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care
Medicare copayment/ coinsurance
$0

MEDICARE (PART B) SERVICES

Medical Expenses 

In or Out of Hospital & Outpatient Hospital Treatment


 

 

 
First $155 of Medicare Approved Amounts
$0
$0
$155 (Part B Deductible)
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 of up to $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense.
Up to $20 per office visit and up to $50 per emergency room visit. The copayment of up to $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense.

Part B Excess Charges

 
   
Above Medicare
Approved Amounts
$0
$0
All Costs

Blood

     
First 3 pints
$0
All costs
$0
Next $155 of Medicare Approved Amounts*
$0
$0
$155 (Part B deductible)
Remainder of Medicare Approved Amounts
80%
20%
$0

Clinical Laboratory Services

     
Tests for Diagnostic Services
100%
$0
$0

MEDICARE (PARTS A & B) SERVICES

Home Health Care — Medicare Approved Services

     
Medically necessary
skilled care services
and medical supplies
100%
$0
$0
Durable medical equipment:
  • First $155 of Medicare approved amounts*

$0

$0

$155 (Part B deductible)
  • Remainder of Medicare approved amounts
80%
20%
$0
OTHER BENEFITS:



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
$0
$0
$250
Remainder of Charges
$0
80% to a lifetime maximum benefit of $50,000
20% and amounts over the $50,000 lifetime maximum
Voluntary Individual Outcomes Management Program
(if applicable)

Anthem covers the full cost of these alternative treatment options to the extent the costs are not paid by Medicare
$0
       
Top

Note: This is not an Anthem Insurance Policy, but a brief summary of benefits offered by Anthem. Click here to visit Anthem's Website.


Learn More about Medicare Supplemental Insurance in Virginia   Call to Sign Up for Anthem Medicare Supplemental Insurance

 

For free guidance, call us at (757) 426-9797 or 1-(888) 380-2505 or contact us via email.  We would be glad to help you. 



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