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Blue Cross and Blue Shield of Alabama Medicare InsuranceAdvantage, Medigap Supplemental and Part D Prescription Drug Plans

Since 1936, Blue Cross and Blue Shield of Alabama's goal has remained the same: to provide access to quality healthcare in a caring manner. Blue Cross and Blue Shield of Alabama offers Medicare insurance solutions for seniors including medigap supplemental insurance, Medicare advantage plans, and prescription drug coverage.  There are three Medicare coverage options available to Alabama seniors from Blue Cross Blue Shield of Alabama:

C Plus Medicare Select Plans – Supplemental health Insurance (Medigap)

C Plus plans are Medicare Supplemental health insurance plans also known as medigap plans and provide the kind of coverage many Alabama residents with Medicare have depended on for years. C Plus Medicare Select Plans were designed to cover the gaps in Medicare. These are the deductibles, copays and coinsurance not covered by Medicare, which can add up to thousands of dollars for you to pay. C Plus plans cover you when you travel anywhere in the United States. In Alabama, with Plan B or Plan F, you’re covered as long as you use providers who participate in our C Plus network. More than 11,000 doctors and 100% of Alabama hospitals are included in this network.

C Plus benefits include:

• No referrals to see specialists
• Medicare-eligible inpatient hospital stays — covered in full
• $0* copays for Medicare-eligible doctor visits, outpatient hospital stays and emergency room visits
• Pre-existing conditions covered from the first day
• Automatic claims filing to save you time

Blue Rx Prescription Drug Coverage Plans

BlueRx (PDP) gives you a choice of two different plan options. To get the right Medicare prescription drug coverage in place, you'll want to consider both of these options and choose the plan that best meets your needs and budget. Whether you currently take any prescription drugs or not, you'll want to sign up now to avoid the late enrollment penalty Medicare may charge you for joining a drug plan after you are first eligible. Make sure the plan you enroll in covers all prescription drugs you are currently taking. You’ll also want to consider an option with an expanded formulary, like BlueRx Option II (PDP). This feature gives you added protection for new prescription drugs you may need to take in the coming year.
BlueRx Option I (PDP) – Covers all Medicare-approved covered prescription drugs

• Access to over 60,000 participating pharmacies
• Convenient Mail Order Service

BlueRx Option II (PDP) – Covers all Medicare-approved covered prescription drugs

• Added protection of an expanded formulary – including more brand name drugs
• Access to over 60,000 participating pharmacies
• No Part D deductible
• Money-saving 90-day supplies through our Mail Order Service

Blue Advantage – Medicare Advantage Plans

Blue Advantage (PPO) is a Medicare Advantage type plan and is an excellent choice if you want the value and convenience of having your medical benefits and prescription drug coverage together in one affordable health plan. When you consider the comprehensive benefits, plus the strength and stability of Blue Cross and Blue Shield of Alabama. It's no wonder more Alabamians choose Blue Advantage (PPO) than any other Medicare Advantage plan in the state!* Plans like Blue Advantage (PPO) generally cover you for more services and have lower out-of-pocket costs than Original Medicare. Many Medicare Advantage plans, including Blue Advantage (PPO), combine prescription drug benefits with Part A and Part B benefits to give you more comprehensive coverage. Both Blue Advantage Complete (PPO) and Blue Advantage Premier (PPO) provide valuable medical, hospital and prescription drug benefits in one easy-to-use plan. These plans use a network of providers, but you're free to use any doctors, specialists or hospitals you choose. **

Why consider Blue Advantage (PPO)?

• Save on out-of-pocket costs for important hospital and medical benefits, such as inpatient hospital care and doctor office visits
• Includes Medicare Part D Prescription Drug coverage
• Protection from runaway medical bills – no matter what happens, you won't pay more than $3,400 for medical services in a calendar year if you get care from the more than 7,000 doctors and 99% of Alabama hospitals in the Blue Advantage (PPO) network.

Eligibility Requirements

You qualify for Blue Advantage (PPO) if you

• reside in Alabama;
• are entitled to Medicare Part A; and
• are enrolled in Medicare Part B due to age or disability.