Blue Cross Medicare Plans 2020
If you are having trouble paying for your healthcare, then you may benefit from a higher coverage plan, and there are a number of these that are designed for seniors. Blue Cross Medicare plans for 2020 offer you a way to get your medical expenses covered and to enjoy affordable health insurance. You can have peace of mind about your healthcare and not worry if you will be able to afford the next hospital stay or doctor’s visit.
Medicare Advantage Plans from Blue Cross
Blue Cross sells powerful coverage plans known as Medicare Advantage. These can cover you for pretty much everything that you get from Original Medicare, but they also do a whole lot more than that. Here is the kind of coverage that a Medicare Advantage plan can provide for you:
Medicare part A coverage (except for hospice care)
Medicare Part B coverage
Emergency care services (ambulance and ER treatment)
Urgently needed medical services (medications, x-rays, surgery, doctors’ visits and more)
Medicare Part D prescription drug coverage
General wellness care
The Advantage plan, then, can cover you for quite a bit. That means that it will overlap with other plans, like Medicare Supplements, employer-based healthcare plans and more. If that overlap occurs, you will have to choose between one plan or the other.
Medicare Advantage plans are only going to give you their full coverage if you go for medical treatment within your insurer’s network. Going outside of Blue Cross’s network with a Medicare Advantage plan means that you are not going to get complete coverage. You can get partial coverage, however, by using a PPO version of Medicare Advantage. Blue Cross sells these at greater expense than the regular HMO Advantage plans. PPOs will cover you partially outside of the network and completely while inside the network. HMOs cover you only within the network.
You can sign up for a Medicare Advantage plan starting after you turn 65 and have a valid Original Medicare plan. Once the Open Enrollment window opens on October 15th, you have until December 7th to sign up for the plan that you want. Miss this window and you will have to wait until the next one the following year.
Blue Cross offers a wide network on which you can receive coverage with your Advantage plan. As one of the largest insurers in the country, they also have one of the largest networks, which gives you more places to receive cover and feel peace of mind. Even when you don’t live in their coverage area, though, they offer options like the PPO plan to ensure that you can still get some coverage, rather than nothing at all.
Medicare Supplements from Blue Cross
Blue Cross also sells Medicare Supplement plans, and these provide you with coverage that complements the Original Medicare plan. In fact, they are only designed to work for seniors who have an active Original Medicare plan. You can sign up for Medicare Supplements around your 65th birthday, and you have a six-month window there in which to sign up and be guaranteed the plan that you want. If you don’t sign up in that period, then you simply have to pay higher rates and may be turned down for the plan that you wanted.
These Blue Cross Medicare plans for 2020 are great for anyone who has Original Medicare and who needs a bit of extra coverage. You can be covered for uncommon expenses like foreign travel exchange, for when you need to be transported to another country because of a medical emergency. There are some very common medical expenses included in the Supplements as well. This includes annual deductibles, per-visit copayments, coinsurance for nursing care and hospice care and even the first three pints of blood that you use each year for surgery and such. You can even be covered for Medicare Part B’s excess charges, for when your healthcare provider doesn’t fully accept Medicare.
Supplements work perfectly with Original Medicare, filling in its coverage gaps and helping you to pay less out of pocket for medical care. The Supplement plans are not going to be compatible with most other kinds of healthcare plans, though. If you are unsure of a plan’s compatibility, and you are considering signing up for it, then you can ask us. Our team will be happy to answer any questions that you have.
Blue Cross sells a few different Supplement plans, like the more popular Plan G and Plan N. It also offers the discontinued Plan F to those who already have it. You can continue to sign up for Plan F and receive its full coverage benefits only if it is already your health coverage plan.
Is a Blue Cross Medicare Plan Right for You?
We have told you about a few options that you could go with, and now we want you to consider if Blue Cross may be a good choice for you. This insurer offers affordable pricing that is pretty much unbeatable. You can use our site to see how their prices compare to the competition. Every time you search for a health insurance plan here on our site, you will get a list of quotes. This site should have Blue Cross plans on it, if there are any available in your area, and it will also have a number of other insurers and their plans. This gives you a great way to see multiple prices and see how they measure up to one another.
You’ll also want to consider some other factors about Blue Cross, such as how they have an excellent customer service record. Read the Blue Cross Blue Shield reviews and see if this company doesn’t have a sterling reputation. The Blue Cross Medicare plans for 2020 are worth considering for their reputation alone, but you’ll also want to check and see if they have a plan that meets your specific needs. Feel free to use our site as much as you need, in order to determine that.
Compare 2020 Medicare Advantage Plans