Vermont Blue 65 Plan N

Plan Costs & Overview

Monthly premium

Your monthly payment for this Medicare Supplement plan. You must continue paying your Medicare Part B premium.

$379.32

per month

Deductible amount

The amounts shown on this page are applicable for 2026.

The annual dollar amount you pay for services (medical or prescriptions) before your plan begins to pay a larger portion of your costs.

Must pay Part A and Part B

  • Part A inpatient hospital deductible (per benefit period) $1,736

    The annual dollar amount you pay for Medicare Part A hospital services before your health plan starts to pay. Medicare Part A pays for inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.

  • Part B medical deductible (annual) $283

    The annual dollar amount you pay for Medicare Part B medical services before your health plan starts to pay. Medicare Part B covers doctor visits, outpatient care, preventive services, and durable medical equipment.

Out-of-pocket maximum

The maximum amount you will pay for covered services during the calendar year.

Varies

per year

Part B excess charges

Medicare Part B excess charges are extra fees charged by a doctor, provider, or supplier that does not accept Medicare assignment. These costs can be up to 15% more than the Medicare-approved amount for the service provided.

Not Covered

Doctor Visits

Learn about this plan's coverage and costs when you see any doctor or specialist who accepts Medicare patients.

If applicable, the amount shown for Medicare Part B covered services shows what you will pay once the annual Part B deductible has been paid. The amount shown for Medicare Part A covered services indicates what you will pay once Medicare and the Plan have paid their share.

Preventive Services

Preventive services help you stay healthy, find health problems early, determine treatment plans, and prevent certain diseases. Preventive services include exams, vaccines, lab tests, and screenings. You pay $0 for most preventive services when provided by a healthcare provider who accepts Medicare assignment. For a complete list of Medicare-covered preventive services, visit Medicare.gov

Before Deductible

$0

After Deductible

$0

Primary Care Visits

A visit to a healthcare provider who provides primary, routine care services.

Before Deductible

$283

per year

After Deductible

$20

copayment

Specialist Visits

A visit to a healthcare provider that is considered a medical specialist, such as an orthopedic surgeon or cardiologist.

Before Deductible

$283

per year

After Deductible

$20 each visit

copayment

Urgent Care

Urgent Care

Health care services that are necessary to treat a condition or illness of an individual that if not treated within 24 hours would cause risk.

Before Deductible

$283

per year

After Deductible

$0

Emergency Room

Care for illness or injuries that need immediate attention and care.

Before Deductible

$283

per year

After Deductible

$50

copayment

Emergency Medical Transportation

Transportation provided to the nearest facility or hospital, such as by a ground or air ambulance service.

Before Deductible

$283

per year

After Deductible

$0

Foreign Travel Emergency

Not covered by Medicare. Coverage is available for medically necessary emergency care services beginning during the first 60 days of each trip outside the U.S. A $250 annual deductible applies with a $50,000 lifetime maximum. You are responsible for all costs over the lifetime maximum. 

You will need to submit claims to us for services received in a foreign country.

Before Deductible

$250

per year

After Deductible

20%

up to lifetime maximum

Notes

If applicable, the amount shown for Medicare Part B covered services indicates what you will pay once the annual Part B deductible is met. The amount shown for Medicare Part A covered services indicates what you will pay once Medicare and the Plan have paid their share.

Outpatient Care

Laboratory Services

Diagnostic laboratory tests can help find changes in your health and helps your doctor or other healthcare provider diagnose or rule out an illness or condition. Medicare Part B covers medically necessary diagnostic laboratory tests when your healthcare provider orders them, and you usually pay $0 for Medicare-covered diagnostic laboratory tests. 

Before Deductible

$0

After Deductible

$0

Diagnostic radiology services

Diagnostic radiology services include scans such as MRIs, CTs and other imaging.

Before Deductible

$283

per year

After Deductible

$0

Outpatient x-rays

X-ray services provided as outpatient care.

Before Deductible

$283

per year

After Deductible

$0

Durable Medical Equipment

Covers the cost for medically necessary equipment, such as hospital beds, oxygen equipment, insulin pumps, canes, and more.

Before Deductible

$283

per year

After Deductible

$0

Outpatient Hospital Care

Covers many diagnostic and treatment services you get as an outpatient from a hospital.

Before Deductible

$283

per year

After Deductible

$0

Ambulatory surgery center

Covers facility fees related to approved surgical procedures you get in ambulatory surgical centers.

Before Deductible

$283

per year

After Deductible

$0

Outpatient Mental Health

Covers a wide range of outpatient mental health services, including psychiatric evaluation, medication management, outpatient programs, substance use disorder treatment, and more.

Before Deductible

$283

per year

After Deductible

$0

Notes

If applicable, the amount shown for Medicare Part B covered services indicates what you will pay once the annual Part B deductible is met. The amount shown for Medicare Part A covered services indicates what you will pay once Medicare and the Plan have paid their share.

Hospitalization

Inpatient Hospital Stay

Medical care when you get admitted to a health care facility, like a hospital or other type of inpatient facility and spend at least one night. Coverage for semiprivate room and board, general nursing, and miscellaneous services and supplies. 

  • Cost for days 1-60: $0
  • Cost for days 61-90: $0
  • Cost for days 91 and later: $0 while using 60 lifetime reserve days
  • For an additional 365 days, after lifetime reserve days are used: $0
  • Beyond the addtional 365 days: All Costs

Before Deductible

See below

After Deductible

See below

Skilled Nursing Facility

You plan's coverage for limited stays in a skilled nursing facility. You must meet Medicare’s requirements, including having been in a hospital for at least three days and entered a Medicare-approved facility within 30 days after leaving the hospital. 

  • Cost for days 1-20: $0
  • Cost for days 21-100: $0
  • Cost for days 101 and later: All costs

Before Deductible

See below

After Deductible

See below

Notes

If applicable, the amount shown for Medicare Part B covered services indicates what you will pay once the annual Part B deductible is met. The amount shown for Medicare Part A covered services indicates what you will pay once Medicare and the Plan have paid their share.

Wellness Extras

Access to our Be Well VermontSM platform, a centralized hub for your health and wellness needs. Be Well Vermont provides a snapshot of your overall health and area of improvement, reminders for preventive care appointments with the My Care Checklist, education on topics of interest like strength training, stress management, improving your sleep, and more.

Prescription Drugs

Our Medicare supplement plans do not include prescription drug coverage, known as Medicare Part D. To complete your Medicare coverage, it's important to find a Medicare Part D plan that fits your needs. Through Blue MedicareRxSM, we offer two prescription drug plans to give you the coverage you need at the pharmacy.

Learn more about Blue MedicareRx and available plans.

Enrollment & Help

Ready to enroll?

You can enroll through our Online Enrollment Form or download a PDF of our enrollment form to complete and send back to us.

We're Here to Help

Blue Cross VT Consumer & Business Support Services Team

We're here for you

We’ll help you find the plan that best fits your needs.

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Communication Preference:

By submitting my information on this form, I give permission for Blue Cross and Blue Shield of Vermont to contact me by phone or email to answer questions and discuss available Medicare plan options. Information may be provided by phone, mail or email by Blue Cross and Blue Shield of Vermont licensed, authorized agents.

Hours

Monday-Friday
8:00 a.m. to 4:30 p.m

This material is a solicitation of insurance. Blue Cross and Blue Shield of Vermont is an independent licensee of the Blue Cross and Blue Shield Association. Blue Cross and Blue Shield of Vermont is not connected with or endorsed by the U.S. government or the federal Medicare program.


Blue Cross and Blue Shield of Vermont, in a joint venture with three other New England Blue plans, contracts with the Federal Government to offer Medicare prescription drug coverage, called Blue MedicareRxSM (PDP).


Blue MedicareRx (PDP) is a Prescription Drug Plan with a Medicare contract. Blue MedicareRx Value Plus (PDP) and Blue MedicareRx Premier (PDP) are two Medicare Prescription Drug Plans available to service residents of Connecticut, Massachusetts, Rhode Island, and Vermont.


Anthem Insurance Companies, Inc., Blue Cross and Blue Shield of Massachusetts, Inc., Blue Cross and Blue Shield of Rhode Island, and Blue Cross and Blue Shield of Vermont are the legal entities which have contracted as a joint enterprise with the Centers for Medicare & Medicaid Services (CMS) and are the risk-bearing entities for Blue MedicareRx (PDP) plans. The joint enterprise is a Medicare-approved Part D sponsor. Enrollment in Blue MedicareRx (PDP) depends on contract renewal.