Group Medicare supplement plans
Blue Cross and Blue Shield of Minnesota offers a variety of fully insured Medicare supplement plans to help pay for expenses not covered by Original Medicare. Whether you want a plan that covers Medicare deductibles, copayments or coinsurance or a plan where retirees share in the cost of their care, you’ll be able to deliver the right balance of coverage and costs for your organization.
Plan highlights
When you choose a Blue Cross Group Medicare supplement plan, your retirees enjoy these benefits:
Medical coverage when and where your retirees need it
Members may live or travel anywhere in the United States and receive plan benefits. Members can go to any doctor, specialist or hospital that accepts Medicare. No referrals needed.
Worldwide coverage
Emergency care received outside the United States is covered at 80 percent.
Preventive care
All plan options include coverage for various routine services and screenings.
Additional plan features
Your retirees will receive these additional services and discounts to help support their health:
24-Hour Nurse Advice Line
Friendly, knowledgeable nurses are available seven days a week.
Fitness Discounts
Members can earn up to a $20 credit toward their monthly health club fees when they exercise at a participating fitness center at least 12 times per month.
Stop-Smoking Support
Members can take advantage of this proven, successful program. Trained phone counselors and support materials can help members quit.
Vision and hearing discounts
Members can save on eyewear and hearing aids.
Health Guides
When members have questions about their benefits, finding a provider or choosing the right type of care, our specially trained Health Guides will help.
myBlueCross online member center
The myBlueCross online member center has tools and information to help members manage their health and health plan. By signing in to this secure site, members can search for a doctor, see the status of their recent claims, compare provider cost and quality information, and much more.
Online health and wellness resources
Members can find health calculators, quizzes, exclusive articles and other helpful information online.
Plan options
Choose from three Medicare supplement plans:
Group Senior Gold
Group Senior Gold(SM) is our most comprehensive Group Medicare Select plan. It provides first-dollar coverage, so members have no deductibles, copayments or coinsurance for Medicare-approved services, and they’re protected against catastrophic expenses.
New for 2013
In 2013, members have the choice to select optional coverage in the Group Senior Gold plan. Senior Gold starts at a basic level of health coverage and you can select any or all of four options depending on your coverage needs. Option 1 covers the Part A deductible. Option 2 covers the Part B deductible. Option 3 covers 100 percent of eligible expenses that exceed Medicare-approved charges. Finally, Preventive Care covers hearing and vision screenings and other screenings not covered by Medicare.
Group Plan L Enhanced
Group Plan L Enhanced is ideal if you want to offer a Medicare supplement plan with a lower monthly premium in exchange for retirees paying a greater share of their health care expenses. Group Plan L Enhanced pays 75 percent of most hospital and medical expenses that Original Medicare does not cover. The plan includes catastrophic protection with a $2,320 annual out-of-pocket maximum.
Group Plan K Enhanced
Our lowest-cost Medicare supplement plan, Group Plan K Enhanced includes the same features and benefits as Group Plan L Enhanced and pays 50 percent of most hospital and medical expenses not covered by Original Medicare. It includes catastrophic protection with a $4,640 annual out-of-pocket maximum.
Add prescription drug coverage for a complete health care offering
Group MedicareBlue(SM) Rx (PDP)
, a stand-alone prescription drug plan with a Medicare contract, can be added to any of the Group Medicare supplement plans for a complete solution. Or you can offer Group MedicareBlue Rx as stand-alone prescription drug coverage. Your retirees can live anywhere in the United States and have their prescriptions filled at more than 63,000 participating pharmacies.
How to learn more
To find out more about Group Medicare supplement plans, talk with your Blue Cross licensed Medicare consultant or ask your agent/broker to contact Blue Cross to discuss your needs.
The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan. Benefits may change on January 1 of each year. Limitations, copayments and restrictions may apply.