Which Medicare Plan Is Best for Me?
Medicare is a comprehensive health insurance plan for people 65 and older and the disabled. It is made up of 4 unique parts (Parts A, B, C and D) that help cover specific health care services. You can sign up for Medicare Part A and Part B during your initial enrollment period which begins 3 months before the month you turn 65 and ends 3 months after the month you turn 65. Blue Cross of Northeastern Pennsylvania encourages you sign up for Medicare Parts A and B during this time.
You will find that Medicare is a comprehensive plan designed to cover most of your health care needs, but it does not cover everything. Once enrolled in Parts A and B, you should take a look at our BlueCare® Security and FreedomBlueSM PPO plans. If you have health insurance through your employer, be sure to ask about BlueCare Senior.
These plans do not replace your Medicare coverage. Instead, they pay the health care costs that Medicare does not pay in full. Each plan differs in coverage, the amount you pay each month and the portion you pay when you receive care.
Blue Cross of Northeastern Pennsylvania’s Medigap Plan, BlueCare Security, is designed to give you the extra coverage you need with Medicare so you can focus on things other than deductibles, copays and coinsurance. BlueCare Security offers care for you when you’re sick and many wellness services and discounts that help you stay healthy. In most cases, with Medicare and BlueCare Security, you may less per month than you pay today with your current health insurance plan. There are 6 BlueCare Security plans to choose from, as long as you are enrolled in Medicare Parts A and B.
FreedomBlue PPO - Medicare Advantage Plan
FreedomBlue PPO, a Medicare Advantage Plan, is offered by Highmark Blue Shield in association with Blue Cross of Northeastern Pennsylvania. FreedomBlue PPO provides all the coverage of Medicare and gives you useful extras you won’t find in Medigap Plans such as, Medicare Part D prescription drug coverage, podiatry services, hearing aids, dentures, routine vision, and more. These plans also help save you money with low monthly premiums and a low yearly deductible. There are 6 FreedomBlue PPO plans to choose from and more details can be found on Highmark Blue Shield’s website.
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)
BlueCare Senior is group health insurance for Medicare eligible employees and retirees. As a Medicare supplement, BlueCare Senior pays for the services not covered by Medicare. For more information contact your employer.