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

Blue Cross Blue Shield of Tennessee offers Medicare Advantage, Medigap Supplemental Insurance and Medicare Prescription Drug Plans in local markets across Tennessee. If you're eligible for Medicare in Tennessee, you can get health coverage through the Original Medicare plan alone. However, many people find that Original Medicare does not cover all their healthcare needs because many medical services and supplies are not covered.  Blue Cross Blue Shield of Tennessee Medicare solutions generally fall into two product categories:

BlueElite Medicare Supplemental Health insurance - Medigap

BlueEliteis a Medicare Supplement plan filling the gaps of original Medicare.  With Medicare Part A and Part B alone, beneficiaries are required to pay deductibles and coinsurance for Medicare-covered services.  BlueElite is designed to pay for these costs that would ordinarily be paid out of the beneficiary’s own pocket.  The actual costs and services covered by BlueElite will depend on which plan is chosen.  There are three plans from which to choose.  A beneficiary must purchase a separate prescription drug plan to obtain Medicare Part D Prescription Drug coverage. Blue Cross Blue Shield of Tennessee has over 60 years of experience serving Tennesseans just like you. Their familiar cross and shield symbols are recognized and accepted around the state and the world. And their financial stability means they will be there when you need them. Here are a few other reasons you should choose one of the BlueElite Medicare Supplement Solutions:

• Choose your own doctors. With BlueElite, you can choose to see any doctor or hospital you wish. There are no provider networks.
• Coverage is guaranteed. If you are enrolling in your first 6 months of Medicare Part B eligibility, you cannot be denied coverage. Your coverage is also guaranteed to renew each year. (Your monthly premiums will increase with your age each year.)
• Automatic claims filing. Just show your BlueElite member ID card and your Medicare-participating physician will file your claims for you.
• Benefit and claim information available online. Just visit our Web site and check your benefits and the status of your claims at your convenience.

BlueAdvantage Medicare Advantage Plans

BlueAdvantage plans are Medicare Advantage plans providing beneficiaries additional options to the traditional Medicare Part A and Part B, and Medicare Supplement plans. BlueCross BlueShield of Tennessee offers a variety of plan options and choices under the BlueAdvantage umbrella. For instance, there are both Preferred Provider (PPO) and Private Fee-for-Service (PFFS) versions with multiple benefit and premium options under each version. All PPO options and the Silver, Gold and Platinum PFFS options include a prescription drug benefit making it unnecessary to carry a stand-alone Part D plan. PFFS plans are also available with Medical-only benefits without the prescription drug coverage.

Figuring out which Medicare health plan is right for your particular needs can seem a bit overwhelming. At BlueCross BlueShield of Tennessee, they understand and want to help simplify the process for you. It’s their goal to provide you with clear information that can help you make an informed decision about your health care coverage. BlueAdvantage Gold PFFS is a Medicare Advantage plan they offer through their contract with the Medicare program. Medicare pays a set amount of money to BlueAdvantage Gold PFFS to arrange for health benefits for covered members of the plan. When you join the plan, you remain in Medicare. You continue to pay your Medicare Part B premium in addition to the affordable BlueAdvantage Gold PFFS premium. Because the government pays BlueCross BlueShield of Tennessee to administer benefits for you, you are entitled to all the medically necessary health care services that are covered by Medicare, plus more. In fact, as a member of BlueAdvantage Gold PFFS you can take advantage of available benefits that go beyond what you can get with Original Medicare alone or a Medicare Supplement policy. BlueCross BlueShield of Tennessee also offers value-added services, including discounts of up to 50% on a variety of products and services not covered by Medicare.