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Frequently Asked Questions
Medicare Advantage plans tend to cover a broader set of benefits than Original Medicare. Notably missing from Original Medicare is coverage for things like prescription drugs, dental and vision, hearing aids and more. Premera Blue Cross Medicare plans may provide the added benefits you need, along with additional coverage for non-medical services that varies by plan. Plus, you may save money with a Medicare plan from Premera Blue Cross.
Cost savings vary by plan, and unless you’re Medicaid eligible, you’ll pay your Part B premium no matter which Medicare Advantage plan you choose. But some Medicare Advantage plans in certain locations have a $0 premium. Cost-sharing, like copayments and deductibles, may be lower with some plans, too. And since Premera Blue Cross Medicare works with a larger network of doctors, you’ll have more options for care and treatment that will be covered by your plan instead of having to pay out-of-network costs.
The reason that private companies like Premera Blue Cross can offer broader coverage, often with lower cost-sharing, is because the federal government subsidizes Medicare Advantage plans. Thanks to this subsidization, the cost savings get passed on to consumers in the form of lower premiums and expanded benefits. The only “catch,” so to speak, is that private Medicare plans tend to have networks. Original Medicare does not.
You can enroll in a Premera Blue Cross Medicare Advantage plan once you have Medicare Parts A and B, during your Initial Enrollment Period, when you first qualify for Medicare (age 65). Otherwise, you’ll need to wait until the Medicare Annual Enrollment Period, which runs from October 15th through December 7th each year or you’ll have to qualify for a Special Enrollment Period. Compare plans and enroll online, or call a licensed agent to see how you might save with Premera Blue Cross Medicare.