Compare 2014 Medicare plans

Ask yourself these questions when comparing 2014 Medicare plan options.

1. How much do you want to pay?

Some plans offer lower monthly premiums but you share in the cost of your health care with a copayment or coinsurance. Other plans have a higher monthly premium but you’ll pay little or no out-of-pocket costs for eligible services and supplies.

Member pays Blue Essentials (HMO-POS) Platinum BlueSM
(Cost)
Senior GoldSM
(Medicare supplement)1
Monthly plan premium $93.60 Core: $29
Choice: $74
Complete: $109
Tobacco-free: $216
Standard: $250

 
Annual medical deductible $0 $0 $0
Annual out-of-pocket maximum (for covered medical services) In network: $4,000
Combined in and out of network: $6,500
Core: $5,000
Choice: $3,000
Complete: $3,000
No maximum; minimal to no cost sharing for eligible services and supplies
  see this plan see this plan see this plan

1 Senior Gold rates/benefits reflect enrollment in all plan options.


2. How much do you want to share in the cost of services?

The more you are willing to share in the cost of Medicare-eligible services and supplies, the lower your monthly plan premium will be.

Benefits Blue Essentials Platinum Blue Senior Gold 1
Doctor’s office visit (primary care and specialists) $25 copay for each primary care visit

$35 copay for each specialist and podiatry visit

$20 copay for each chiropractic visit
Core: 20% coinsurance
Choice: $15 copay
Complete: $0
$0
Emergency care (in the U.S. and worldwide) $65 copay Core: $50 copay
Choice: $50 copay
Complete: $0
$0 for emergency care in the U.S.

20% coinsurance for eligible emergency care worldwide
Urgently needed care (outside the service area and within the U.S.) $35 copay Core: $25 copay
Choice: $25 copay
Complete: $0
$0
Inpatient hospital stay Days 1-4: $275 copay per day

Days 5-90: $0
Core: $500 copay per stay; plan covers 90 days each benefit period plus 60 lifetime reserve days

Choice: $100 copay per stay; no limit to the number of days covered each benefit period

Complete: $0; no limit to the number of days covered each benefit period
$0; no limit to the number of days covered each benefit period
  see this plan see this plan see this plan

1 Senior Gold rates/benefits reflect enrollment in all plan options.


3. What if I just want prescription drug coverage?

If you’re interested in prescription drug coverage to pair with a Platinum Blue or Senior Gold plan, learn more about  MedicareBlue(SM) Rx (PDP) ExternalLink from Blue Cross.


4. Do you travel?

Plans vary in their travel benefits and the length of time you’ll be covered. How often you travel and for how long should be considered.

Benefits Blue Essentials Platinum Blue Senior Gold
Travel coverage Plan benefits for up to six months outside the service area within the U.S. Plan benefits for up to nine months outside the service area within the U.S. Plan benefits for unlimited travel outside the service area within the U.S.
  see this plan see this plan see this plan



5. Are there other plan features that are important to you?

Our plans also include important wellness features.

Other plan features Blue Essentials Platinum Blue Senior Gold
Silver&Fit® Exercise and Healthy Aging Program Included Included  
Fitness Discounts      Included
24-Hour Nurse Advice Line   Included  Included
Stop-Smoking Support   Included  Included
Vision and hearing product discounts Included Included Included
  see this plan see this plan see this plan



6. What about access to doctors and hospitals?

Our participating provider networks are extensive and include many of the providers in Minnesota and nearby states.

Search the Blue Essentials network (PDF)
Search the Platinum Blue network (PDF)
Search the Aware network for Senior Gold

For information about plans available to residents of other states, please visit AskBlue Medicare. ExternalLink

Learn more

2014 plans guide (PDF)

Attend a "Prepare for Medicare" meeting

Watch a video to learn about our plans ExternalLink

FAQs about plans

See all plans

Blue Cross and Blue Plus offer HMO-POS, Cost and PDP plans with Medicare contracts. Enrollment in these plans depends on contract renewal. You must continue to pay your Medicare Part B premium. Benefits, premiums and/or cost-sharing amounts for Platinum Blue and Blue Essentials may change on January 1 of each year. Premiums for Senior Gold may change on January 1 of each year. The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan. Limitations, copayments, and restrictions may apply.

The Silver&Fit program is a product of American Specialty Health Fitness, Inc., a subsidiary of American Specialty Health Incorporated (ASH), an independent company providing personal health and wellness programs. Silver&Fit is a federally registered trademark of ASH and used with permission herein.

Last updated October 1, 2013
H2425_002_091913_N04 CMS Approved 10/22/2013
H2461_091913_N05 CMS Approved 10/22/2013