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Blue Cross Medicare Advantage Plans 2021

Living a long, healthy life can be costly. The older you grow, the more tendency you have to get sick. We visit the hospital more. Each visit costs a bit of money as you have to pay doctors and other fees such as diagnostic tests. But as you reach your 65th year, you become eligible for Medicare.

There are several parts of Medicare. There is Original Medicare Part A and Part B. Part A covers your inpatient hospital and hospice care, nursing home and facility car, and home health care. Part B covers your outpatient care and other services. Your Part B Medicare is responsible for preventive services and tests as well as some medical equipment.

An alternative to Original Medicare, however, is Medicare Advantage. Medicare Advantage is also known as MA plans or Part C Medicare. There are several Medicare Advantage plans that cover your Original Medicare Parts A and B coverage. Depending on the Medicare Advantage plan you choose, you also get a range of benefits beyond Original Medicare.

Getting a Medicare Advantage plan will lower your deductibles, premiums and coinsurance. There is also an annual limit on your out-of-pocket expense. Medicare Advantage benefits include:

  • Dental, vision and hearing aid
  • Wellness programs such as gym and fitness memberships
  • Over the Counter (OTC) drugs
  • Day care services
  • Emergency and urgent care
  • Transportation to ER or doctor’s visit

Some Medicare Advantage plans will cover your prescription drugs.

Blue Cross Medicare Advantage Plans 2021

About Blue Cross

Blue Cross was formed in 1929 and in 1962, became the Blue Cross Association. In 1982, the company merged with Blue Shield to become the Blue Cross Blue Shield Association.

Blue Cross Blue Shield Association consists of 36 health insurance companies in the United States. Operating in up to 50 states under the Blue Cross, Blue Shield, or Anthem name, the company offers several health insurance plans. BCBSA also sells Medicare Advantage policies in Virgina. In California, you’ll get a Blue Shield Part C plan under Blue Shield of California name. In Georgia, it is available as Blue Cross Blue Shield of Florida or Florida Blue.

Blue Cross Medicare Advantage Plans 2021

If you’ll reach 65 years of age in 2021 and ready to get a Medicare Advantage, you should consider what Blue Cross Medicare Advantage Plans 2021 have to offer. There is a range of plans that Blue Cross offers in the year. And they may vary depending on your state or region. Here is a list of Part C Plans that Blue Cross offers in 2021:

Blue Cross Medicare Advantage HMO 2021

With the Blue Cross HMO plan, you will have a vast network of providers to choose from. The network consists of professional doctors, caregivers and facilities. Your primary care provider will be in charge of your health. He or she is also your first point of contact when you have any health issues. The primary care provider (PCP) will also refer you when you need a specialist.

With a Blue Cross MA plan, you are not required to see PCP in case of emergencies. Also, women don’t need a PCP referral for routine OB/GYN care such as pap smear.

Blue Cross Medicare Advantage PPO 2021

With the PPO plan, you don’t need to use a network provider, have a PCP or referral to see a specialist. However, PPO premiums are slightly higher than HMO. If you have a PPO and still use a Blue Shield Network provider, you can save a lot on your health care.

Blue Cross Medicare Advantage Private Fee for Service (PFFS) 2021

Available only in Arkansas, this plan lets you use any doctor, facility or care provider you want. Typically, Blue Shield will decide a rate or percentage that they pay for your out-of-network service and you pay the rest out of pocket.

Blue Cross Medicare Advantage may also offer a prescription drug plan depending on your region. You may get this benefit for $0 monthly premium and deductible. If Blue Cross does not offer a Medicare Advantage drug plan, you may decide to get a separate Prescription Drug Plan or Part D Medicare Advantage. You may also get additional perks such as discounts and fitness memberships when you get a Blue Shield Medicare Advantage plan 2021.

The best Blue Shield Medicare Advantage plan for you may depend on your location and health needs. If you need help comparing the plans in your location, feel free to contact us. We’ll answer your questions and inquiries.