For beneficiaries enrolled in Medicare Part
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 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 SupplementSM plans so you can
choose one that best fits your needs and your budget.
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.
See the doctor YOU want
North Carolina’s largest Medicare supplemental insurer
- Coverage from the #1 health care brand in America2
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
- Easy to use, no claims to file
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
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
- No medical
- 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,
- You enroll within 6 months of enrolling in Medicare
- You are not covered by certain Medicaid programs
- You are a resident of North Carolina
® mark, SM marks of the Blue
Cross and Blue Shield Association. SM1 mark of Blue Cross and Blue
Shield of North Carolina. 1 These programs may be changed or
discontinued at any time. BCBSNC does not profit from this program
and it is not part of your policy or benefits. It is a value-added
program available for your use.
on 2006 NC Department of Insurance rate filings for leading
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:
3 The Blue ValuesSM program may change or be discontinued at any time. BCBSNC
does not profit from this program and it is not part of your policy
or benefits. It is a value-added program available for your use.
BCBSNC provides this program for your convenience and is not liable
in any way for the goods and services received. Thes programs are
not part of your policy or benefits, but are value-added discounts
available for your use.
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 SupplementSM plan that
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Cross and Blue Shield of North Carolina (BCBSNC). The content
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Blue Cross and Blue Shield of North Carolina is an independent
licensee of the Blue Cross and Blue Shield Association.