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Outline of Medicare Supplement Coverage options |
Blue Medicare SupplementSM
For beneficiaries enrolled
in Medicare Part B
Choose the plan that's right
for you
See the doctor you want
Value-added discounts
Control of your care
Savings and peace of mind
Medicare only covers a portion of your medical costs. Blue Cross and Blue Shield of North Carolina®
offers dependable Medicare supplemental plans for people age 65 and older, so you can stop worrying
about the costs that Medicare doesn’t cover. BCBSNC offers nine Blue Medicare SupplementSMplans
plans so you can choose one that best fits your needs and your budget.
- Wide selection of plans
- Protection against unexpected events
A local company you can trust
BCBSNC is North Carolina's largest Medicare supplemental insurer1,
is the only Medicare supplemental insurer based right here in North Carolina,
and has more than 70 years of experience in the health care industry.
- North Carolina's largest Medicare supplemental insurer
- Coverage from the #1 health care brand in America2
See the doctor YOU want
Whichever Blue Medicare SupplementSM plan you
choose, you can select you own doctor and visit any Medicare-participating hospital.
In most cases, your Part A and Part B Medicare claims and supplemental claims
will be handled automatically by Blue Cross and Blue Shield of North Carolina®.
It's that easy.
- Choice of doctors
- Easy to use, no claims to file
Value-added discounts
In addition, you'll have access to Blue ValuesSM, the BCBSNC family of value-added
programs3 at no extra cost. You'll be eligible for discounts of up to 60% on
health related products and services, such as eyeglasses, hearing aids, and more. You can also earn prizes for being physically active.
- Discounts on eyeglasses, hearing aids and more!
- Exclusive to BCBSNC members
Incentives for early enrollment
Lock in your entry age
There are huge advantages to enrolling in Blue Medicare SupplementSM coverage within the first six months of enrolling in Medicare Part B. When you
enroll, you lock in your entry age forever. Rate adjustments will be made only
due to medical inflation or claims experience.4 So, if you enroll when you're 65, you'll always pay the rate of a 65-year old, even when you're 80!
- Lock in your entry age
- Predictable costs
No waiting periods
If you enroll early you may be eligible for this plan without medical underwriting and waiting periods for pre-existing conditions. Pre-existing conditions are conditions for which medical advice was given or treatment was recommended by or received from a physician within six-months before the effective date of coverage. If you wait until after the deadline to enroll, you may have a waiting period for pre-existing conditions.
- No medical underwriting
- No waiting periods for pre-existing conditions
Guaranteed acceptance by enrolling early
You cannot be turned down for Blue Medicare SupplementSM with
BCBSNC if you meet all of the following:
- You are age 65 or older or under age 65 and are eligible for Medicare by reason of disability (Plans A, C, and J)
- You enroll within 6 months of enrolling in Medicare Part B
- You are not covered by certain Medicaid programs
- You are a resident of North Carolina
1 Based on 2006 NC Department of Insurance rate filings for leading competitors.
2 Brand Strength Measure Survey, Synovate, Inc. [2004-2006]; Harris Interactive® Brand
and Reputation Practice—
EquiTrend® Brand Study, Spring 2004, “Financial Services/Insurance
Brands,” Table 4:
www.harrisinteractive.com/news/allnewsbydate.asp?NewsID=818.
3 The Blue Values program may change or be discontinued at any time. BCBSNC does
not profit from this program.
BCBSNC provides this program for your convenience and is not liable in any way
for the goods and services received.
These programs are not part of your policy or benefits, but are value-added discounts
available for your use.®, SM Marks of the Blue Cross and Blue Association
4 Rates are subject to change but you alone will not be singled out for premium
increases based on your health or age. Any
change in your rate will be preceded by a 30-day notice and is guaranteed for
12 months. When you enroll you will lock in
your entry age as long as you stay in the Blue Medicare SupplementSMplan
that you chose.
Form U4093, 8/07
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