Blue Cross Medicare Advantage
Blue Cross Medicare Advantage is very popular among seniors. The reason? It could be the low rates with incredible values, or it could even be Blue Cross’s determination to put the customer first. They are very focused on their customers, doing more for them than many of their competitors. In fact, they operate as a nonprofit, while the other providers are profit-driven.
Original Medicare covers a lot of seniors for various different services and costs. However, even with Original Medicare coverage, you are left with out-of-pocket costs that can really hurt your budget. That’s why you should consider Advantage plans. They are an excellent alternative, offering loads of benefits while covering a majority of the same services as basic Medicare. They also help lower out-of-pocket costs for medical services while taking care of common costs that you deal with.
When you get an Advantage plan, you are getting coverage for all the benefits of Medicare Part B. Also, most of the benefits you get from Part A are also covered. Such benefits include:
At Home Care
You also get emergency and urgently needed care costs covered with every Advantage plan.
There are some Advantage plans available by Blue Cross that help cover you for annual checkups with your dentist, audiologist, optometrist, and general practitioner. Some of their plans even incorporate the power prescription drug plan, Medicare Part D. This can cut your prescription medication down to $1 apiece.
Something you should know about Advantage plans, they work on specific networks that are determined by the insurer and change from area to area. Blue Cross is known for having an incredibly large network consisting of facilities around the United States that honor your coverage. However, there are still some areas and facilities that won’t honor your insurance, and you will be left without cover.
There are some network options that you get to choose from that will help determine the coverage area that you get. Your coverage, on and off the network, is dependent on whether you go with an HMO or PPO plan.
HMO plans won’t cover you off-network, but they cost less than the PPO. That being said, PPO plans tend to offer some coverage off-network, giving you some flexibility on where you get treated.
That is even more reason for you to choose Blue Cross. Their network is extensive, and they have several connections. They also offer a good amount of benefits, offering you more ways to save on the costs of medical services.
2021 MEDICARE ADVANTAGE
Medigap Plans from Blue Cross
Blue Cross Medicare Advantage plans are not your only option when it comes to getting that extra coverage you need. In fact, if you already have Original Medicare, you should consider Medicare Supplement plans. These are commonly known as Medigap plans, and as the name suggests, they fill in the gaps of your medical costs left behind from Original Medicare.
Here is a list of what may be covered by a Medigap plan from Blue Cross:
Deductible For Medicare Part A
Deductible for Medicare Part B
Part A Co-payments
Part B Excess Charges
Part A Hospice Co-insurance
Foreign Emergency Medical Care
3 Pints of Blood a Year
There are different Medigap plans available from Blue Cross, there most popular being Plan G. This is a high coverage plan that covers almost everything listed above. The only thing you are left paying out-of-pocket with Plan G is the Medicare Part B deductible. This isn’t expected to change in 2021. However, this plan does come with a cost as it is considered a higher coverage Supplement plan.
If you are needing something cheaper, and don’t need as much coverage, then maybe you should consider Medicare Supplement Plan N. It is the most popular of the low coverage plans. It is considered to be more economical while including a lot of the same benefits.
If you are curious about Plan N or Plan G from Blue Cross, then you should use our website to compare the costs and the coverage options. It isn’t just about the quotes you get from Blue Cross, as we provide quotes from a long list of private insurers that sell these plans. You are able to compare their prices and find one that suits your budget perfectly.
Medicare Part D
Sometimes, seniors just need help covering the costs of their prescription medication. Even if you already have a basic Medicare plan, like with Medigap plans, you are able to add to your coverage with Medicare Part D. This is a powerful prescription drug plan that offers coverage for many different medications. In many cases, the costs of generic and name-brand drugs are reduced to $1. This is dependent on the medication, however. You get the most coverage when you have prescribed the generic version of the drugs. For the name-brand drugs, the coverage isn’t as strong, but it is still powerful enough to lower what you are paying out-of-pocket for your medications.
There are two ways you can get Part D. The first way is by adding it on to your Original Medicare. The other way is that it is included in the Medicare Advantage plan that you choose to go with. Regardless of how you get it, you get the same benefits. However, there are differences in Part D that Blue Cross offers, compared to other insurance providers.
Should You Choose Blue Cross?
You are offered a range of different Medicare plans by Blue Cross. Most of them are eligible for enrollment at the age of 65. You do have to have a basic Medicare plan, though. That doesn’t answer the question as to whether you should choose a blue cross or not, though. There are two advantages that Blue Cross has; Their Low Prices and the Best Customer Service.
When it comes to pricing, you are able to compare the price of any plan offered by Blue Cross to other well-known insurers with the tool on our website. You get to source our quotes so you can easily compare them and pick the right plan, price, and provider. You will see that while Blue Cross may not be the cheapest, they will be very close to being. Combined with everything else they offer to their customers, they are certainly going to be one of the best choices.
Make sure you use our site to keep up to date on pricing, as they change from one year to the next.
So, should you go with Blue Cross? That answer can only be determined by you. While they boast their competitive pricing and their amazing perks, Blue Cross Blue Shield is not the only insurer out there. They aren’t the most affordable for everyone, either. So it is important for you to shop around when you are looking for more medical coverage. Always compare prices and plans to ensure that you are getting the right one for you. Our site is designed to help you do just that. If the process of finding the right provider and plan seems to be too stressful, then reach out to us. We have the resources to help you make an informed decision.