Medicare Made Simple - Blue Cross Blue Shield …...Medicare Supplement Insurance Plans are...

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This information is a solicitation for insurance. ILNEMS712FFBK Y0096_MRK_IL_MS712BKLT17 Accepted 06112017 Medicare Made Simple An essential guide for Medicare beneficiaries in Illinois.

Transcript of Medicare Made Simple - Blue Cross Blue Shield …...Medicare Supplement Insurance Plans are...

Page 1: Medicare Made Simple - Blue Cross Blue Shield …...Medicare Supplement Insurance Plans are generally accepted by ANY doctor who accepts Medicare. With a Medicare Supplement Insurance

This information is a solicitation for insurance.ILNEMS712FFBK Y0096_MRK_IL_MS712BKLT17 Accepted 06112017

Medicare Made Simple

An essential guide for Medicare beneficiaries in Illinois.

Page 2: Medicare Made Simple - Blue Cross Blue Shield …...Medicare Supplement Insurance Plans are generally accepted by ANY doctor who accepts Medicare. With a Medicare Supplement Insurance

If you are now, or soon will be eligible for Medicare, it is important to understand what Medicare does and does not cover. There’s a good chance you’ll need more coverage than Medicare alone provides.

This booklet from Blue Cross and Blue Shield of Illinois tells you more about Medicare, as well as some of your options for additional coverage.

The information here can help you to prepare to select the Medicare health plan that is right for you.

Want to make smart Medicare choices? Start here.

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Page 3: Medicare Made Simple - Blue Cross Blue Shield …...Medicare Supplement Insurance Plans are generally accepted by ANY doctor who accepts Medicare. With a Medicare Supplement Insurance

Original Medicare doesn’t cover everything.

80% Covered

MEDICAL BILL

20% Not Covered

Original Medicare was not designed to cover all of your health care expenses.

Original Medicare covers only about

80% of your hospital and medical expenses.You are responsible for paying the other 20% of your hospital and medical costs.

Original Medicare does not include prescription drug coverage. You must purchase that coverage separately.

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Page 4: Medicare Made Simple - Blue Cross Blue Shield …...Medicare Supplement Insurance Plans are generally accepted by ANY doctor who accepts Medicare. With a Medicare Supplement Insurance

Original Medicare consists of Part A and Part B.

Part A helps cover your inpatient care in hospitals, including critical access hospitals and long-term care hospitals. Most people automatically get Part A without having to pay a monthly premium.

Part A is hospital coverage.

Original Medicare

Most Medicare beneficiaries pay a premium for Part B coverage.

Part B helps cover medical services like doctors’ office visits and outpatient care when they are medically necessary. You pay the Part B premium each month.

Part B is medical coverage.

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Page 5: Medicare Made Simple - Blue Cross Blue Shield …...Medicare Supplement Insurance Plans are generally accepted by ANY doctor who accepts Medicare. With a Medicare Supplement Insurance

A Medicare Supplement Insurance Plan is designed to help you save on your

out-of-pocket medical expenses.

Medicare Supplement Insurance Plans

80%REMEMBER: Original Medicare covers only about 80% of your Medicare-eligible hospital and medical expenses.

20%YOU ARE RESPONSIBLE FOR THE OTHER 20%.

You may purchase a Medicare Supplement Insurance Plan during your 6-month enrollment period, which starts the first day of the month that you’re 65 and enrolled in Medicare Part B. After this enrollment period, you may not be able to buy a Medicare Supplement Insurance Plan and if you’re able to buy one, it may cost more.

Medicare Supplement Insurance Plans do not include prescription drug coverage. You may want to add a Part D plan to complete your coverage.

There are a variety of affordable Medicare Supplement Insurance Plan options for

a variety of needs and household budgets.

Optional Part D

Part D coverage is designed to help lower your prescription drug costs. Part D coverage is available as a stand-alone plan.

Part D is prescription drug coverage.

Initial Enrollment Period (IEP)This is for people like you, who are just becoming eligible for Medicare.

Annual Enrollment Period (AEP)If you miss your Initial Enrollment Period, you will have to wait until the next Annual Enrollment Period to enroll.

Special Enrollment Period (SEP)A Special Enrollment Period lets you change your Medicare Advantage plan and prescription drug coverage if certain events happen in your life such as if you move outside of your plan’s coverage area or lose your current coverage.

3 months before the month of your 65th birthday to 3 months after

Oct. 15–Dec. 7

When can you enroll?You may join a Part D (prescription drug) plan only during these designated enrollment periods.

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Page 6: Medicare Made Simple - Blue Cross Blue Shield …...Medicare Supplement Insurance Plans are generally accepted by ANY doctor who accepts Medicare. With a Medicare Supplement Insurance

Medicare Supplement Insurance Plans are generally accepted by ANY doctor who accepts Medicare.

With a Medicare Supplement Insurance Plan, you’ll have the freedom to choose your own doctors and other health care providers.

When you’re ready to make your Medicare choices, remember this:

Blue Cross and Blue Shield of Illinois is standing by to help ensure that you get the right Medicare coverage for your specific needs.

Your health and your health care are important to us. And we look forward to helping you make smart, confident choices for your Medicare coverage.

Love your doctor? Keep your doctor.

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Page 7: Medicare Made Simple - Blue Cross Blue Shield …...Medicare Supplement Insurance Plans are generally accepted by ANY doctor who accepts Medicare. With a Medicare Supplement Insurance

852018.0317

Questions about our plan options?Go online: request2.mybluemedicareil.comor call: 1-877-427-4294 (TTY/TDD:711)

You can also call your licensed, authorized insurance agent. We are open 8:00 a.m. – 8:00 p.m., local time, 7 days a week. If you are calling from February 15 through September 30, alternate technologies (for example, voicemail) will be used on weekends and holidays.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or co-payments/co-insurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium. The Formulary and/or pharmacy network may change at any time. You will receive notice when necessary.This information is available for free in other languages. Please call our Customer Service number at 1-888-285-2249 (TTY/TDD users should call 711). We are open 8:00 a.m. and 8:00 p.m., local time, 7 days a week. If you are calling from February 15 through September 30, alternate technologies (for example, voicemail) will be used on the weekends and holidays.Esta información está disponible en otros idiomas de forma gratuita. Comuníquese a nuestro número de Servicio al cliente al 1-888-285-2249 (los usuarios de TTY/TDD deben llamar al 711). Nuestro horario es de 8:00 a.m. a 8:00 p.m., hora local, los 7 días de la semana. Si usted llama del 15 de febrero al 30 de septiembre, durante los fines de semana y feriados, se usarán tecnologías alternas (por ejemplo, correo de voz).Not connected with or endorsed by the U.S. Government or Federal Medicare Program.Medicare Supplement Insurance Plan Notice: Medicare Supplement insurance plans are offered by Blue Cross and Blue Shield of Illinois, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association.Medicare Part D Plan Notice: Blue Cross and Blue Shield of Illinois offers Blue Cross MedicareRx (PDP)SM. Prescription drug plan is provided by Blue Cross and Blue Shield of Illinois, which refers to HCSC Insurance Services Company (HISC), an Independent Licensee of the Blue Cross and Blue Shield Association. A Medicare-approved Part D sponsor. Enrollment in HISC’s plans depends on contract renewal.


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