Medicare Supplemental (Medigap) Policy 

 

Original Medicare pays for many, but not all, health care services and supplies. A Medigap policy can help pay some of the health care costs (“gaps”) that Original Medicare doesn’t cover, like copayments, coinsurance and deductibles.  Your cost-sharing is minimal and with some plans, there is none at all. 

BlueShield of Northeastern New York’s Medicare Supplemental Insurance (Medigap) offers:

  • Low premium plan options
  • Nationwide coverage
  • No referrals
  • Most plans include no copays for Medicare-covered services
  • Multiple plan options to fit your needs

To enroll, open and complete a Medigap enrollment form and return it to the address on the form.

Are you ready?

Enroll Now

 

Additional Information

You must live in one of the following Northeastern New York counties to be eligible for enrollment in one of our Medicare Advantage plans:

  • Albany
  • Columbia
  • Fulton
  • Greene
  • Montgomery
  • Rensselaer
  • Saratoga
  • Schenectady
  • Warren
  • Washington

We offer two options for completing a Medigap enrollment form:

  1. Open the form and fill it out on screen, save it to your computer, then print a copy of the completed form. 
  2. Open the form and print a copy, then complete it by hand.

In either case, please mail the completed form to the address on the form.

Open Enrollment Form

Most entities that currently provide prescription drug coverage to Medicare-eligible beneficiaries must disclose whether the entity’s coverage is “creditable prescription drug coverage”. A disclosure is required whether the insurer is primary or secondary to Medicare.

A description of an entity, as defined by the Centers for Medicare & Medicaid Services (CMS), can be found at the following web site: http://www.cms.hhs.gov/CreditableCoverage/.

Disclosure of whether prescription drug coverage is creditable provides Medicare-eligible beneficiaries with important information relating to their Medicare Part D enrollment. Beneficiaries who are not covered under creditable prescription drug coverage and who choose not to enroll before the end of their initial enrollment period for Medicare Part D likely will pay a higher premium on a permanent basis if they subsequently enroll in Medicare Part D.



 

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Oct. 1 - Feb. 14, 8 a.m. to 8 p.m., 7 days a week
Feb. 15 - Sept. 30, 8 a.m. - 8 p.m., Mon. - Fri.

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This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or copayments/coinsurance may change January 1 of each year. The Formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary. 

Out-of-network/non-contracted providers are under no obligation to treat BlueShield of Northeastern New York members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services. 

Medicare evaluates plans based on a 5-star rating system. Star Ratings are calculated each year and may change from one year to the next.

BlueShield of Northeastern New York is a Medicare Advantage plan with a Medicare contract and enrollment depends on contract renewal.

A division of HealthNow New York Inc., and independent licensee of the BlueCross BlueShield Association. A salesperson will be present with information and applications. For accommodations of persons with special needs at sales meetings, please call 1-800-329-2792 (TTY 711). BlueShield of Northeastern New York complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-800-329-2792 (TTY: 711).

注意:如果您使用繁體中文,您可以免費獲得語言援助服務。請致電 1-800-329-2792 (TTY: 711).

Y0086_MRK1962 Approved
Content Last Updated October 1, 2017