Blue Cross Blue Shield is one of many insurances companies that sell Medicare Advantage plans, and we want to spend some time looking these plans and what this company specifically has to offer. Blue Cross Medicare Advantage for 2019 may be able to save you some money on your medical care for the coming years, so they are worth looking into for any senior.
How to enroll in Blue Cross Blue Sheild Advantage Advantage
You can sign up for a Blue Cross Medicare Advantage plan (BCBS) fairly easily, if you want to. Just go to the medical insurance company of your choice, be it BCBS or someone else, and then apply for the plan you want. You can do that over the phone, at a physical office or online, through their website. You don’t sign up for this plan at a Medicare office or through the Medicare organization. The Medicare name may be in the title of the plan, but this is something that is sold privately. Medicare only designs these plans. Companies like BCBS have liberty to add coverage onto the basic plan that Medicare has created.
Once you apply, which should not take long, then you simply wait for a reply. If you are 65 years old and applying during the enrollment period (from October 15 to December 7), then you should be approved without any problem.
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Your current coverage could get in the way of you getting Medicare Advantage coverage, though. Some plans overlap with one another, and that’s not something Medicare will allow you to do. You won’t be able to sign up for two plans at the same time that have some of the same coverage. Some examples of this would be Medicare Supplements (which are incompatible with Medicare Advantage), union plans and employer coverage plans. If any of these overlap, then you will have to drop one of them or just not sign up for the Advantage plan.
What BCBS Medicare Advantage Plans Offer
Blue Cross Blue Shield is made up of a number of different businesses operating independently from one another on the same network. So, they share a lot of things, such as members services, benefits and such, but their pricing can be very different, as can their approach to customer service and other aspects of the business.
This generally means that each independently operating part of the business is working hard to stand out and provide the best care possible for its customers, which makes for a very customer friendly experience most of the time. BCBS has a great reputation within the insurance community, and seniors often opt for them over their competition for that very reason, as well as their often-competitive pricing. They do tend to have lower prices than a lot of their competition, but the prices can change every so often, typically at the rate of once per year. That’s something to keep in mind when you are trying to find the right insurance provider to buy Medicare Advantage coverage from.
BCBS may be a great choice for you and may be offering just the coverage you need, but you should compare them to their competition to ensure that you are getting a good deal. You can save money on medical expenses by choosing the right insurance company, but you do need to compare your options in order to pull that off.
BCBS may or may not offer the best rates and coverage for you right now. If they don’t, then you can always come back to them later and reconsider what they are offering at a later date. Their coverage and pricing may change over time, and even if they are not the best option now, they may become your best choice in a year or two. It’s worth taking another look at them every so often when it’s time to renew or change your current coverage plan.
How You Will Be Covered by Medicare Advantage Plans in 2019
BCBS Medicare Advantage plans for 2019 may be different from one another, but one thing they all share in common is base coverage. The prices may be different, and the coverage may be slightly different here and there, but the base coverage remains the same. Only Medicare is allowed to make any changes to that base coverage.
Medicare Advantage plans are required to cover you for all of Original Medicare. That would include all of Medicare Part A and all of Medicare Part B. In addition to that, they also include cover for urgently needed medical care, which refers to lifesaving treatments and those services that would prevent you from suffering severely. They also cover you for emergency medical care, including treatment in the emergency room. Medicare parts A and B provide some similar coverage, but it is not the same. Advantage plans go far beyond what you get with basic Medicare to provide you with comprehensive coverage for your medical expenses.
This is why they are considered to be the most robust medical insurance plans available. Seniors of all types sign up for these plans and manage to save a lot of money on their medical care. This kind of plan may not be for everyone, but they have a lot to offer and they are worth checking out for anyone who is eligible for them. We have only covered the basic insurance provisioning these plans have to offer, though.
There is other coverage that Medicare Advantage plans are able to provide for you. The most basic of these additional benefits is Medicare Part D, which is a plan that often stands on its own and that you can buy separately, if you want to. if it is included in the Advantage plan you sign up for, though, then you won’t be able to double up on it. It would not do you any good like that.
Many Advantage plans will offer this Part D coverage, and that is going to cover a lot of prescription drug costs for you. How it covers you and how relevant it is to your needs will depend on your medical condition, what drugs you take and what your financial situation is like. Keep in mind that Part D is not a fixed coverage plan, and there are lots of versions of it, so if you don’t like what BCBS is offering in their Part D plan, then you can just get it elsewhere.
In addition to part D, many Advantage plans also cover you for annual checkups for things like your hearing or your general wellness. They can also take care of the cost of prescription glasses for you, as well as other prescription items that your doctor may advise you to get.
This is a sampling of what Advantage plans are able to provide for You, and BCBS may offer something unique to what we have covered there. It’s up to them what they cover and how far they want to go beyond the basic coverage they have to offer.
Medicare Advantage vs Medicare in 2019
This may not be the right plan for you, but you will have to examine both your personal needs and the Medicare Advantage plans being offered by insurance companies like BCBS to make that determination. You have to decide for yourself what is right for you, what you can afford and what you would like to have covered as far as medical expenses go. That’s not a decision that anyone else can make for you, and while you can get advice from your doctor and your insurance agent, ultimately, the decision is up to you. There isn’t a best Advantage plan being offered, and you have to decide on your own if BCBS Medicare Advantage plans for 2019 are going to suit you well. You can spend some time looking at them and the other options to make an informed decision that could save you a lot of money.
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