Blue Cross Medicare Advantage
One of the top insurance providers in the country is Blue Cross Blue Shield, and they sell a nice selection of Medicare Advantage plans for seniors to benefit from. These are basically the same Advantage plans that you can get from other insurance providers, but we want to talk about what makes Blue Cross Medicare Advantage unique and why it is worth your time to look at what’s on offer there.
Blue Cross Takes Care of Its Customers
One of the most notable things about Blue Cross Blue Shield as a company is that they have a great reputation. That have made a name for themselves as a company that cares about its members. That’s not something you can say about every insurance company, but Blue Cross has a great track record.
They have some of the lowest rates in the industry, and they consistently rank near the low end of the pricing scale when it comes to Medicare Advantage plans of all kinds. They do a lot to make sure that their prices are competitive so that their members don’t have to pay a lot of money for their insurance.
They also offer great customer service. Now, they may not provide a lot of free perks like their competition often does, but their forte is definitely more toward providing their customers an excellent one-on-one experience. That’s also a rarity for the industry, and their responsive customer service makes the claims process easy and fast.
All the extra bells and whistles that many insurance companies include with their plans may be worthwhile to some seniors, but not everyone uses the free gym membership, prescription drop off and other perks that the competition offers. Blue Cross provides the essentials, though, as they will connect you to a medical professional whenever you need it, and they offer very low prices and value-packed plans that are always worth their cost.
You can check the prices here on our site and see the savings for yourself. Compare the cost of a Blue Cross Advantage plan to the same plans being sold by other insurers. You can see all of their rates here on our website, just by entering your zip code. We will do a search of available Advantage plans in your local area and tell you what the going rates are. These are all current rates that are sourced as you request them. You never get any out-of-date quotes from us.
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What Medicare Advantage has to Offer
You may not be very familiar with Medicare Advantage, and that’s okay, as we are here to fill you in. If you don’t find all the information you need right here, then be sure to give us a call and get your question answered. We have years of experience in the field of medical insurance, and we can help you figure out what plans are available for you and what you might want to sign up for in order to save the most money and be well covered.
Medicare Advantage plans are sold by private insurers like Blue Cross, and the private insurance company gets to set the prices. Medicare oversees the plans and decides what basic coverage will be included.
The basic coverage on all of the Advantage plans is going to take care of most of your Medicare Part A inpatient costs as well as all of the Medicare Part B outpatient expenses. It also covers any leftover expenses that fall into the categories of urgently needed care and emergency medical care. That’s a ton of coverage right there packed into the basic plan, and yet this plan retails for around $45 a month from most insurers. You can find Medicare Advantage plans for a great rate, and Blue Cross Medicare Advantage is even more economically priced.
If you want to upgrade from a basic plan, however, you can sign up for the Medicare Advantage Part D plan. Thesis going to include all of the basic coverage for you along with some coverage for precision drugs in the form of the powerful Medicare Part D plan. Thesis the most comprehensive drug plan on the market, and you will find it included in most Medicare Advantage plans.
Some of the Advantage plans that Blue Cross sells are going to include coverage for your routine medical visits. This can include visits to the dentist, optometrist, general practitioner or hearing specialist. It can also include coverage for x-rays, cleanings, prescription eye wear and more. Check the details of the plan to see what exactly you are getting, as each insurer has their own lineup that they offer.
If you sign up for a Medicare Advantage plan and decide a little bit later on that you don’t like the coverage it comes with, then you can always change it out for another Advantage plan. You can upgrade your plan during the enrollment period from October 15th until December 7th.
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How You Can Enroll in a Blue Cross Advantage Plan
That is also the enrollment period that comes around once a year for those who want to initially sign up for Medicare Advantage. Now, you can sign up earlier than that, if you sign enroll around your 65th birthday. That is the first time you will have an opportunity to enroll in Medicare Advantage. You can get Original Medicare at the same time, if you like, and you will need it. Original Medicare is considered a prerequisite for Medicare Advantage, so you have to have both plans active at the same time for the Advantage plan to function.
Only people who are 65 or older and who have US citizenship (or five years as permanent residents) will be eligible for Medicare Advantage. You will not be able to enroll in an Advantage plan if you have any conflicting medical insurance coverage. That would be a Medigap plan or a plan that comes from your union or employer. Those tend to have similar coverage that would mean you are paying twice for the same coverage, and that is not allowed.
Choose the Right Network Option
Blue Cross has a network of hospitals and clinics and such that it has partnerships. These are scattered all over the United States, and as long as you go to one of the network facilities for your care, you will be fully covered by your Medicare Advantage plan. If you go outside of the network, however, then you may not get that full coverage you were expecting.
Blue Cross’s network has its limits, so there will be clinics and hospitals and such where their plans are not fully honored. You can sign up for a PPO plan to deal with the lack of coverage there. This is a kind of Medicare Advantage plan that costs more than the standard HMO plan but that covers you both inside and outside of the network. The out-of-network coverage is less than the on-network coverage, but it is still more protection than you would get from the standard plan.
Blue Cross Medicare Advantage may come with some other options as well, so check and see what is available before you make your decision. Remember that if you need any help deciding on a plan or finding the best rates, you can contact us or use our site, completely free of charge.