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Blue Cross Options For Seniors |
As a large employer, the age of your employees will have a wide range, but one thing is certain: they’ll get older. In fact, the entire American population is skewing older, and as the Baby Boomers reach their later years their health care needs are changing. At Blue Cross, we know how important it is to provide coverage that keeps pace with the changes in their insurance needs – especially when it comes time for them to enroll in Medicare.
We offer several options for seniors in the large group plans. . .
Blue Cross Senior Secure
The Blue Cross Senior Secure plan is also called Medicare Choice, or Medicare Advantage. This plan is an HMO-type arrangement that operates like an extension beyond the typical Medicare benefits. Under the Senior Secure plan, your employees will be glad to know that they won’t have to pay Medicare deductibles or co-insurance payments. In fact, many patients won’t have to even provide a co-pay for a service – or if there is one, it’s much less than they’re accustomed to.
And there’s more to the Blue Cross Senior Secure plan than just making Medicare better . . . it covers things that Medicare doesn’t. Hearing and vision exams, glasses and contact lenses . . . dental care, podiatry, chiropractic exams, prescription drugs. . .all these areas can be covered by this plan.
The Choices Plus benefit that comes with the Blue Cross Senior Secure plan is also something that your employees will greatly appreciate: they’ll be able to self-refer to a network of PPO providers for many of their necessary services, thereby bypassing some of the shortcomings of the HMO structure.
This can save them time, the trouble of having to get referrals, and money.
Security 90, Assurance 90 or Assurance Plus 90
Blue Cross provides assistance to employees who may simply need a supplement to their Medicare coverage. Security 90 offers coverage for hospitalization co-pays and deductible for Medicare Part A, and tacks on an additional year of coverage for inpatient care.
This means that, since Medicare Part A limits the amount of days that will be covered for this care, your employees will have greater freedom to stay in the hospital for the care they need.
The Security 90 Plan enables your employees to enjoy 100 percent payment of their Medicare B expenses. . .as long as they pick a provider from the huge Blue Cross PPO network.
Also provided are round-the-clock emergency care and coverage for co-pays from skilled nursing facilities.
Assurance 90 and Assurance Plus 90 also provide additional benefits for prescription drugs – with the option to receive prescriptions through the mail. When you need regular medication – especially if you don’t live very near a pharmacy – this can be a real blessing. But if your employees do visit a participating pharmacy, they’ll find slightly lower costs and easier claim management.
Medicare Select II and Medicare Select II Plus
We offer these two supplemental plans that involve lower co-pays for office visits, and as long as they’re going to Blue Cross PPO providers they won’t have to bother with filing a claim. The Blue Cross provider network is the largest in the health care industry, so your employees will always be able to find physicians they like and trust.
And as long as in-network providers are used, these two plans provide payment for the Medicare Part B deductible – regardless of whether they are in-state or across the country
And the biggest plus for your employees by using these Blue Cross plans is that, as long as they visit a Medicare Select hospital or are admitted as an inpatient after a visit to the Emergency Room, their out-of-pocket expenses are virtually eliminated.
Learn more at: www.baahealth.com
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