Medicare is health insurance offered through the Federal Government. It is available when:
When you first enroll, you will be covered by Original Medicare. You can choose different ways to receive the services covered by Original Medicare. Original Medicare is a fee-for-service plan that pays for many health care services and supplies, but it doesn’t pay all of your health care costs. These are out of pocket costs, like coinsurance, copayments and deductibles. These are called “gaps” in Medicare coverage.
To fill these gaps, you can choose to receive additional coverage through a Medicare Advantage plan (HMO, PPO, MSA) or Medigap supplemental insurance.
Original Medicare covers many services and supplies, but not everything, which is why there are additional options for Medicare health coverage. Original Medicare includes:
Medicare Advantage plans cover the same services as Original Medicare and usually more. What are the benefits of Medicare Advantage plans?
Medicare Part A includes hospital insurance. Most people do not pay a monthly Part A premium, because they or their spouses have 40 or more quarters of Medicare-covered employment.
What should you know about Medicare Part A?
Medicare Part B includes medical insurance. The monthly plan premium provides partial coverage for inpatient hospitalization and skilled nursing facility care and has deductibles and copayments for which you will be responsible for unless they are covered by a separate health insurance plan.
What should you know about Medicare Part B?
Medicare Part C includes Medicare Advantage Plans such as HMOs and PPOs.
What should you know about Medicare Part C?
Medicare Part D includes prescription drug coverage. Some prescription drug plans have separate premiums, while others do not. The monthly premium will vary by plan.
What should you know about Medicare Part D?
You may enroll in a Medicare Advantage plan only during specific times of the year:
In most cases, you must stay enrolled for the calendar year that starts the date your coverage begins. In certain situations, however, you may be able to join, drop or switch a Medicare Advantage Plan (excluding MSA plans).
Some of these situations include the following:
Becoming a member of Senior Blue HMO or Forever Blue Medicare PPO from BlueCross BlueShield is easy. You can use our online application or print off, complete and mail in the paper-based application. Use the links below to make your choice.
Medicare beneficiaries may also enroll in Senior Blue HMO or, Forever Blue Medicare PPO through the CMS Medicare Online Enrollment Center located at http://www.medicare.gov.
If you have any questions, please call Customer Service at 1-800-329-2792, TTY: 711.
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October 1 - February 14
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February 15 - September 30
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During non-business hours, your call will be answered by our automated phone system. A Customer Service Representative will return your call on the next business day.
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We also welcome any suggestions you may have for improving our plan or to make recommendations regarding the Member Rights and Responsibilities Policy (Please see the Member Rights and Responsibilities section of your Evidence of Coverage for more information).
When you turn 65, you are eligible for Medicare, and you will need to make some important decisions about how you receive your health care. Beginning three months before your 65th birthday, you will be eligible to enroll in Medicare. Your eligibility will last for seven months - including the three months before your birthday month, your birthday month, and the three months after. Before or during those seven months, you will need to decide:
- Original Medicare alone
- A Medicare Advantage Plan, like Senior Blue HMO or Forever Blue Medicare PPO.
- Original Medicare plus a supplemental insurance policy (Medigap)
You must live in one of the following Western New York counties to be eligible for enrollment in one of BlueCross BlueShield’s Medicare Advantage plans:
To fill the gaps in Medicare coverage you can select from different types of Medicare plans. Medicare plans offered by BlueCross BlueShield include:
A Health Maintenance Organization (HMO) is a type of Medicare Advantage plan that takes the place of Original Medicare (Medicare Advantage Plan is primary). With an HMO plan, you must receive care from doctors and hospitals within the plan’s network, except for emergency or urgent care. Prescription drug coverage is included with some plans.
A Preferred Provider Organization (PPO) is a type of Medicare Advantage plan that takes the place of Original Medicare (Medicare Advantage Plan is primary). With a PPO plan, you can receive care within a network of doctors and hospitals or use out-of-network doctors and hospitals for covered services, usually for a higher cost. Prescription drug coverage is included with some plans.
Medigap Supplemental Insurance works with Original Medicare (Medicare is primary). It covers some of the health care costs that the Original Medicare Plan does not. Plans are standard between companies and you can receive care from any doctor or hospital that accepts Medicare assignment nationwide. Medigap plans don’t cover prescription drugs. Therefore, if you join a Medigap plan, you can also join a Medicare prescription drug plan to receive drug coverage.
You pay a copay or coinsurance. BlueCross BlueShield pays the remaining cost. You start in the initial coverage stage and generally stay in this payment stage until your year-to-date total drug costs (what you pay plus what BlueCross BlueShield pays) reach $3,700. After you reach $3,700, you will enter the coverage gap or “donut hole”.
When you are in the coverage gap (donut hole):
After you reach $4,950, you enter the catastrophic coverage stage. In this stage, you pay the greater of 5% coinsurance or $3.30 for generic medications and $8.25 for all other medications. BlueCross BlueShield pays the remaining cost. Once you are in this payment stage, you will remain in it for the rest of the calendar year (through December 31).
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