Blue Cross Blue Shield Medicare Advantage Plans 2020
The Blue Cross Blue Shield System has 36 independent companies. The plans they offer would include a network of health centers drug stores, medical professionals and other providers.
This post will discuss some of the vital things about Blue Cross Blue Shield Medicare Advantage plans.
Before you qualify for these plans, you need to be eligible for Medicare. If you wish to obtain a Medicare Advantage plan, you can only register within certain times of the year.
The Blue Cross Blue Shield Medicare Advantage Plans For 2020 provides its members with Medicare Part A and B coverage. But it offers other benefits that may help in reducing co-payments.
The Blue Advantage plan includes coverage for the medical, health center, prescription, and medicine. With this plan, everything is covered. In that case, most seniors do not need to obtain a different Part D for their prescription medicines.
Blue Advantage offers inexpensive regular monthly costs. The insurer understands that most seniors want an extensive plan that offers the right coverage. For that reason, it offers different options. Blue Advantage Total is ideal for seniors who want inexpensive monthly premium while Blue Advantage Premier offer better benefits.
What Blue Advantage Can Offer
You can save a lot of out-of-pocket expenses when you visit the health center and clinics. It also offers cost savings on hospital treatment and doctor’s visits.
Coverage of Medicare Part D Prescription
The insurer has a wide network of physicians and medical care facilities. For that reason, it will be easier for you to receive treatment that you need from a facility near your house.
Medicare Advantage plans will cover the items in Original Medicare. If you remain in this plan, the initial Medicare includes the costs for hospice treatment, some Medicare benefits and other costs related to medical research studies. All Medicare Advantage Plans will cover emergency and urgently needed treatment.
This plan may not cover costs for services that are not clinically important under Medicare. Consult your healthcare provider before you obtain the service.
On the other hand, if you need a service that your plan does not consider as clinically necessary, you will have to pay for the cost of that service but you have the option to appeal.
You may also request an advance coverage from your insurer to include the service that you need to be clinically required so you will be covered.
Most Medicare Advantage plans have extra protection for hearing, oral, vision and health and wellness programs.
Furthermore, many of the plans include Medicare prescription drug protection or Part D. In addition to the premium for Part B, you also need to pay a monthly premium for the Medicare Advantage policy.
The basic premium for Part B was around $134 in 2018. But the premium depends on your earnings. You may pay less if you have social security benefits.
HMO Option of Blue Cross Blue Shield Medicare Advantage
This insurer offers an HMO option for its Medicare Advantage plan. This plan is one of the most common choices.
In here, you will need to receive treatment from healthcare providers and medical facilities that are within your insurer’s network. However, you may receive emergency services anywhere.
Under HMO plans, you need to choose a primary care physician. This physician will refer you to see a specialist. But some yearly screening examinations do not require a referral.
However, if your physician gets out of your provider’s network, you will be informed. From there, you could pick another physician but he must be part of your provider’s network.
You may also opt for an HMO point-of-service that enables you to receive treatment from outside network. But the cost can be higher than the regular HMO.
Blue Cross Blue Shield Medicare Advantage also provides PPOs. This is an ideal choice if you want the flexibility to receive treatment without a referral from a primary care physician.
Remember that HMO plans require a referral from a primary care doctor but PPO plans do not need any.
HMO and PPO plans include prescription drug coverage through a Medicare Advantage Prescription Drug plan.
What are PPOs
For better flexibility, opt for a Blue Cross Blue Shield MA PPO policy. The overall out-of-pocket costs could be reduced if you seek treatment from a physician or medical facilities that are part of your provider’s network.
But you could use out-of-network facilities and providers but with higher copayment and co-insurance expenditures.
But PPOs do not require you to pick a primary care physician or a referral before you see a specialist. If you want to obtain expert care without requesting a reference from a primary care physician, then you should consider PPO.
Your PPO plan with Blue Cross Shield will include a Medicare prescription drug protection when you register in an MA prescription drug policy.