Blue Cross Medicare Supplement Information
For North Carolina beneficiaries enrolled in Medicare Part B
Choose the plan that’s right for you
See the doctor you want
Control of your care
Savings and peace of mind
Medicare only covers some of your medical costs. That’s why Blue Cross and Blue Shield of North Carolina (BCBSNC) offers dependable Medicare supplement plans for Medicare beneficiaries, to help lessen the worries over costs that Medicare doesn’t cover. Choose from our 111Blue Medicare Supplement SMplans to find the plan that best fits your needs and your budget.
• Wide selection of plans
• Protection against unexpected events
A local company you can trust
We provide Medicare supplement coverage to more North Carolinians than any other insurer in the state.2 BCBSNC serves more than 125,000 3 North Carolina Medicare beneficiaries with over 79 years of experience in the health care industry.
• We provide Medicare supplement coverage to more North Carolinians than any
other insurer in the state. 2
• One of the most trusted Medicare supplement plans in the state
See the doctor you want
No matter which Blue Medicare Supplement SMplan you choose, you’re free to select your own Medicare-participating doctor or visit any Medicare-participating hospital. And in most cases, your Part A and Part B Medicare claims and supplement claims are handled automatically by BCBSNC.
• Choice of Medicare-participating doctors
• Easy to use, virtually no claims to file
You’ll also have access to Blue Values SM, our value-added discount programs and Silver Sneakers ®1Fitness Program 4available to you at no extra cost. 5You’ll be eligible for
discounts on health-related products and services, such as eyeglasses, hearing aids, and more.
• Discounts on eyeglasses, hearing aids and more!
• Discount programs exclusive to BCBSNC members
No waiting periods
If you enroll early, you may be eligible for this plan without 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 waiting periods for pre-existing conditions
Guaranteed acceptance by enrolling early
You cannot be turned down for Blue Medicare Supplement SMand may not have to complete a medical questionnaire if you meet the following:
• You are age 65 or older, or under age 65 and are eligible for Medicare by reason of
disability (Plans A and C, 6)
• 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
BCBSNC Blue Medicare Supplement SMInformation
1 Plan A: BMS A, 02/11, Plan B: BMS B, 02/11, Plan C: BMS C, 02/11, Plan D: BMS D, 02/11, Plan F: BMS F, 02/11, HI DED Plan F: BMS HDF, 02/11, Plan G: BMS G, 02/11, Plan K: BMS K, 02/11, Plan L: BMS L, 02/11, Plan M: BMS M, 02/11, Plan N: BMS N, 02/11
2 2010 Medicare Supplement Insurance Experience Exhibits filed with the NAIC, as of
3 Based on Blue Cross and Blue Shield of North Carolina (BCBSNC) internal data, May 2011.
4 The SilverSneakers program is provided by Healthways, Inc., a third-party vendor independent of BCBSNC. The program is a value-added program and not part of member policy or benefit. It may change or be discontinued at any time. BCBSNC does not profit from this program and is not liable in any way for the goods or services received.
5 Blue Values programs may change or be discontinued at any time. Blue Cross and Blue Shield of North Carolina (BCBSNC) provides these programs for member convenience and is not liable in any way for the goods and services received. These programs are not part of a member’s policy or benefits, but are value-added discounts available for their
use. BCBSNC does not profit from the Blue Values programs.
6 Guaranteed acceptance is limited to (Plans A and C) for those under age 65 who have Medicare due to disability.
Neither BCBSNC nor its agents are connected with or endorsed by the United States government or the federal Medicare program. CAUTION: POLICY BENEFITS ARE LIMITED TO THOSE APPROVED BY MEDICARE FOR PAYMENT.
For costs and further details of the coverage, including exclusions, any reductions or limitations and terms under which the policy may be continued in force, contact your agent or the
(Information obtained from)
Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.
®, SMMarks of the Blue Cross and Blue Shield Association. SM1Mark of Blue Cross and Blue Shield of North Carolina ®1Mark of Healthways, Inc.