Compare Blue Cross Blue Shield Medicare Plans
If you are looking for a health insurance company focused on its customers, then Blue Cross is your best bet. It is a nonprofit organization that prioritizes the needs of its customers compared to its competitors that operate at a profit. The Blue Cross Blue Shield Medicare plans are designed for seniors who want plans with incredible value. The plans come with low rates coupled with the company’s excellent customer service.
Blue Cross Medicare Advantage
Original Medicare covers a lot of medical expenses. However, it may not be enough for some seniors. If you want more coverage, then Medicare Advantage plans can give you more. They can replace traditional Medicare as they cover most of what Original Medicare includes.
Furthermore, these plans can handle the medical costs common to your case. As a result, they can assist you in lowering your overall out-of-pocket expenses for healthcare.
Although Advantage plans can cover most of the medical expenses, they can handle all Part B benefits. Furthermore, they pay for Part A benefits, like at-home care, nursing care, and hospitalization. All Advantage plans can handle the costs of medical emergencies, as well as urgently needed care.
You can purchase one of the MA plans that can take care of the medical expenses discussed above through Blue Cross. However, this insurer doesn’t sell all Advantage plans.
But it does offer the Medicare Part D. It is a powerful coverage plan that can reduce your medication costs per year. You can also find a plan that handles your yearly checkups.
With Part D plan, your medication costs can be minimized. It can actually cut your drug expenses up to $1 per piece. Plus, you will be covered every time you go to your dentist, audiologist, optometrist, and general practitioners.
However, Medicare Advantage plans are limited by the network area of the insurance provider. Thankfully, Blue Cross has a huge network of healthcare facilities. Despite that, you can still find some places in the US that don’t accept Blue Cross MA plans.
To mitigate the issue, Blue Cross offers several network options, such as PPO and HMO policies. The PPO plans can help you pay for on and off the network healthcare services. HMO is cheaper but you are only covered within the network.
This insurer has a lot of connections. With such a connection, it can easily offer you benefits that can add value to your money. It makes sure that you are covered regardless of your location.
Compare Medicare Advantage Plans
Medigap Plans of Blue Cross
These plans are useful if you feel that Original Medicare doesn’t give you enough coverage. Medigap or Medicare Supplement plans can help you pay for the out-of-pocket expenses left by traditional Medicare.
In other words, they can help you pay for one or some of the following expenses, depending on the plan:
Part A copayments
Part A yearly deductible amounting to $1,408
Part A hospice coinsurance
Part B copayments
Part B yearly deductible that reaches $198
Part B excess charges if you go to a doctor or hospital that doesn’t accept Medicare
Nursing care coinsurance
First 3 pints of blood per year
International travel expenses for medical care
There are 10 Medicare Supplement plans. However, Blue Cross only sells a few of them. And among the plans it sells, Plan G is its top seller. It is a high coverage policy that covers most of the supplementary expenses. The coverage will not change come 2021.
Plan G coverage will be the same regardless of where you purchase it from. Medicare has not announced yet a change in its lineup of coverage to any of its plans.
Since Plan G is a high coverage plan, you can expect it to be expensive. If you want a more economical option, you may choose Plan N. It covers nearly all benefits of Plan G.
These two plans are the top-selling Blue Cross Blue Shield Medicare plans. If you wish to know much it will cost you to purchase one of them, you may use our site to request quotes. You will get a list of quotes not just from BCBS but also from other providers. Use the list to compare the different plans and insurance companies.
With this list, you will know if Plan N is indeed an economical choice for you. You can also determine if the asking price is worth it compared to your existing coverage.
Medicare Part D of Blue Cross
The overall cost of MA hinges on a particular plan. The total amount you pay will depend on the individual plan you purchase.
But there are particular expenses that you need to pay attention to. Listed below are the basics of monthly premiums, yearly deducible, coinsurance, and copays, as well as the maximum out-of-pocket limit.
If you need to lower your drug prescription costs, consider having a Part D plan. It covers a variety of medicines, thereby, lowering the overall medication costs.
In most cases, seniors will pay $1 for each prescription if they have a Part D plan. However, the medication cost will still depend on the drug you need and the kind of Part D policy you have.
Part D will mostly cover the most common and inexpensive drugs. With the help of this program, you will pay little for your medication. However, if you are taking expensive, high-end drugs, they may not be covered by Part D.
To obtain Medicare Part D, you can either add it as part of your Original Medicare or you can purchase it as a built-in product of Medicare Part C or Medicare Advantage. No matter how you purchase it, the benefits are the same. However, Part D offered by Blue Cross may have a slight variation from the Part D programs of other insurers.
Should You Sign Up for Blue Cross Medicare Plans?
Blue Cross may not offer you a lot of extra benefits. However, it can afford to give you lower rates compared to its competitors. Regarding its Medicare plans, you will find that it sells a variety of them.
But before you start comparing BCBS Medicare plans, make sure that you are eligible to get one. You can only enroll if you are 65. If you are turning 65 this year, then you must wait three months before your 65th birthday to sign up. After this period, you can enroll three months after turning 65.
You should also check your current insurance plan to ensure that your Medicare plans don’t conflict with one another.
If you choose BCBS, you will enjoy its excellent customer service and low prices. Use our site to find out how low its prices are compared to other insurance providers.
When you compare Blue Cross Blue Shield Medicare plans using our site, you will find that its costs are not the cheapest. But the rates are still lower than the rates of other major providers. Furthermore, the prices will not change for 2021. But if the company decides to make a change, we will update our site to give you the latest pricing. You must come back, again and again, to find out whether or not BCBS lineup of plans has changed.
Is this insurance provider your best option? It really depends on how much you can afford. It also hinges on whether or not it offers the kind of coverage that you need and if the plan offers real value to your medical situation.
If you need help in comparing Blue Cross Blue Shield Medicare plans, please give us a call. Our health insurance experts are here to assist you in any way they can so you can get the best deal.