Newsroom – Blue Cross Blue Shield of Michigan broadens Medicare options with new Medicare Advantage PPO product
October 1 is the first day BCBSM and Medicare Advantage carriers across the nation can market their Medicare Advantage products for 2010. Beneficiaries in BCBSM Medicare Advantage products will receive letters in the next 10 days about the new product line-up. "Blue Cross remains fully committed to providing products to Medicare beneficiaries and will continue to have the broadest array of Medicare Advantage products in the state," said Mark Owen, BCBSM vice president for federal and individual business. "It’s important for Medicare beneficiaries to know that there is no immediate change to their coverage. They have until the end of the year to make their selection for 2010." In addition to the three BCBSM products for 2010, seniors also can select from three Medicare Advantage products offered by Blue Care Network, the BCBSM-affiliated HMO. "We will be working with insurance agents and other groups across the state to reach out to Medicare beneficiaries to help them navigate these product and premium changes," said Owen. Seniors who meet low income guidelines can receive subsidies from the state and/or federal government to pay for all or part of their premiums. Medicare Advantage premiums vary by product and region. The new PPO product is expected to provide beneficiaries with value for their premium. For example, the BCBSM Medicare Plus Blue PPO, which includes Part D prescription drug coverage, will cost between $61 and $141 a month (premiums vary by geographic region), while traditional BCBSM Medicare Supplemental (Medigap) Plan C plans cost $183 when combined with a stand-alone Part D BCBSM prescription drug program. Medicare Advantage plans offer Medicare benefits through private health insurance plans and most include Part D prescription drug coverage. When you purchase a Medicare Advantage plan, you do not need to also purchase a Medigap policy. Medicare Advantage plans are regulated solely by the federal government, while Medigap plans are regulated by the state. The announced product changes are only for Medicare beneficiaries who directly purchase their Medicare Advantage products, not for beneficiaries enrolled in a group plan. Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
Video: Is Freedom Blue PPO a Medicare Supplement?
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Find out which medications on IBCâ€™s formulary will require prior authorization. Your doctor will have to get approval in advance from Independence Blue Cross Learn more about Prior authorization – MedicareBlue Rx at yourmedicaresolutions.com 2012 Prior Authorization Criteria for Medicare HMO BlueSM (HMO) and Medicare PPO BlueSM (PPO) Plans Definition of Prior Authorization For certain drugs your doctor or
Blue Care Network expands Medicare Advantage service area, Blue Cross and Blue Care Network add plan options
In addition, BCN Advantage members will now be able to “buy up” to more comprehensive dental and vision benefits for a modest additional premium. Members will receive partial coverage on restorative services such as fillings, root canals, crowns and crown repairs. They’ll also get an allowance for frames and lenses to improve their vision health.
Anthem Blue Cross Introduces Medicare Preferred PPO
One of the newest Medicare Advantage plan in California for 2012 is the Anthem Medicare Preferred Standard PPO or AMP. The Anthem Medicare Preferred is the newest successor to the Freedom Blue Regional PPO plan that became very popular over the past few years. The plan offers significant freedom of choice in regards to your medical service providers. The AMP PPO plan is only available in select counties throughout California and the benefits are different from county to the next. The plans are grouped below by counties that share the same benefits:
HMO Versus Ppo, Blue Cross HMO Doctors, Blue Cross Health Insurance, : Medicare Preferred Provider Organization (PPO) Case Study and …
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Blue Cross Blue Shield of Michigan Offers New Medicare Plans
HMO’s (health maintenance Organizations) let you select a primary care physician from the BCBS provider network and this PCP manages your overall care. He or she will refer you to a specialist or to a selected hospital for care should you need additional services beyond his scope of practice. Referring yourself to an outside provider will cause a forfeit of benefits and out-of-pocket costs. The four BCBSM HMO products, formerly known as Options 1, 2, and 3, will now be known as BCN Advantage Elements, Classic , and Prestige. The Blues Care Network will also continue to offer the BCN Advantage Basic Plan.
Ask A Medical Biller: Legacy Identifier for Blue Medicare PPO
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California Medicare Insurance: Anthem Freedom Blue PPO for 2012
The Anthem Blue Cross Freedom Blue 2012 will be seeing some changes. It will now be called the Anthem Medicare Preferred Standard PPO. This plan will be the only PPO Medicare Advantage plan in California. The Anthem Medicare Preferred is a Local PPO or LPPO available only in certain counties throughout the state and has a $300 annual deductible.. These counties include Los Angeles, Orange, San Francisco, Alameda, San Diego, Sacramento and Ventura just to name a few.Although the core benefits are similar there are some differences. One of the biggest changes for the Medicare Advantage LPPO for 2012 is that some counties are now charging a monthly premium. Los Angeles, San Diego and Ventura are the only ones where it is remaining a “No Cost” plan. The Anthem Medicare Preferred PPO also includes prescription drugs at no additional cost. It includes a standard 4 Tier Drug Formulary. This will allow you to have co-pays for your medications. In addition, you will have the option to add Dental, Vision and other benefits for an extra monthly cost. And lastly, the plan does include Silver Sneakers for those of you who like to stay active and go the gym. This coverage is at no additional cost. So to recap…you will have access to the Anthem PPO network, set co-pays, prescription drugs covered and great optional benefits! Now that is a value plan with an affordable cost to all Medicare beneficiaries in the available counties.