Which Medicare Plan Is Best for Me?
Medicare is federal health insurance plan offered to people 65 and older and to those who are disabled. You are eligible to apply for Medicare 90 days before your 65th birthday. As you are exploring your options, keep in mind, Medicare doesn't cover everything. If you are eligible for Medicare, you may need complementary or supplemental coverage. These plans help you pay some of the health care costs (gaps) that Medicare does not cover (like copays, coinsurance and deductibles).
If you have Medicare Part A and Part B coverage, you can buy a BlueCare® Security plan. This is Medigap Insurance, it does not replace the benefits you get with Medicare. It adds to your Medicare insurance coverage by covering out-of-pocket costs that you must pay, such as copays, coinsurance and deductibles. BlueCare Security gives you 6 plan options and each plan covers the same basic benefits, including Medicare’s Part A coinsurance and hospital costs up to an additional 365 days; Medicare’s Part B coinsurance or copay; blood (the first 3 pints) and the Part A Hospice Care coinsurance or copay.
Another option is a Medicare Advantage Plan. FreedomBlue PPO, developed by Highmark Blue Shield in association with Blue Cross of Northeastern Pennsylvania, provides all of the coverage of Original Medicare as well as extra benefits and services. More details can be found on Highmark Blue Shield's website.
BlueCare Senior lets employers offer insurance for their actively working employees on Medicare and to their retirees. This "group" plan helps to pay some of the health care costs (gaps) that Medicare does not cover (like copays, coinsurance and deductibles).
FreedomBlue is a service mark of the Blue Cross and Blue Shield Association. A health plan with a Medicare contract. H3916_10_0388 File & Use (11/10/2010)