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.

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(SM)
Group Senior Gold 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.

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 62,000 participating pharmacies.

The benefit information provided herein is a brief summary, not a comprehensive description of benefits. For more information, contact your Blue Cross licensed sales representative or agent/broker.

Our contract with CMS is renewed annually. Enrollment in the plan after December 31, 2012 cannot be guaranteed. Either CMS or the plan may choose not to renew the contract, or the plan may choose to change the area it serves. Any such change may result in termination of member’s enrollment. Benefits, plan premiums and cost-sharing (copayments or coinsurance) may change on January 1, 2013.

How to learn more

To find out more about Group Medicare supplement plans, talk with your Blue Cross licensed sales representative or ask your agent/broker to contact Blue Cross to discuss your needs.