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All About Medicare

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All About Medicare

We'll help you become an expert, so you can find the plan that fits you best.

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All About Medicare
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What is Medicare?

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Medicare was designed to help you afford good health care.

It comes in Parts A, B, C, and D. Parts A and B are called “Original Medicare” and are provided by the government. Parts A and B cover some basics, like hospital stays and doctor visits, but they don't cover everything. You’ll want more coverage to help pay for services not included in Original Medicare or to add benefits like prescription drug coverage or dental insurance.

Almost eligible for Medicare? Learn more about turning 65

It all starts with Original Medicare

You'll want to get Parts A and B. Once you have those, most people add a Medicare supplemental policy to help save money and get more coverage.

Hospital Insurance

Medicare Part A

Part A includes:

  • Skilled nursing care
  • Inpatient hospital stays
  • Hospice care
  • Some in-home care

Medical Insurance

Medicare Part B

Plan B includes:

  • Doctor visits
  • Preventative care
  • Outpatient services
  • Medical supplies
  • Tests and x-rays

When should you enroll in Original Medicare?

Even if you're a year or more away from turning 65, you can begin preparing now. These helpful tips can get you started on the right path.

1 Step One

Meet with the employee benefits manager if you are still working (or at a former job) to discuss retiree health benefits.

2 Step Two

Begin learning more about Medicare elgibility; the various parts of Meidcare; what is and isn't covered; and when to enroll. Visit medicare.gov or call 1-800-MEDICARE (1-800-633-4227) for complete enrollment details.

3 Step Three

Ask your doctors if they participate in Medicare and if they accept Medicare assignment.

4 Step Four

Get health insurance quotes for Medicare supplemental plans. You are guaranteed acceptance with BCBSKS when enrolling within six months of your Part B effective date or 65th birthday.

5 Step Five

Apply for Medicare benefits (Part A and B) if retiring at age 65 (and not already receiving Social Security benefits) three months before your 65th birth month.

6 Step Six

Enroll in a Medicare supplemental plan. Remember – Medicare supplemental plans do not cover prescription drugs. This would need to be purchased separately.

Learn more

Beat the Rush – Save Your Place in Line

Already know Blue Cross is the right choice for you? Let us know now, and we'll keep you informed along the way and get you enrolled when you're ready.

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We complete your Medicare coverage

Parts A and B were just the beginning. To enhance Original Medicare, most people add plans to help cover costs and expand their coverage.

Medicare Supplement Insurance

Supplement

Medicare Supplement insurance plans help pay for things Original Medicare doesn’t cover, like your coinsurance, copays, or deductibles. You have the option to buy dental insurance, too. Most people who get Medicare Supplement usually buy a separate prescription drug plan (Part D) to complete their care.

How Plan 65 – supplement coverage works with Medicare.

Plan 65 – our Medicare supplement health coverage plan is designed specifically to supplement the expenses Medicare does not pay, so you have less out-of-pocket expenses to worry about.

The amounts below are for the services Harry received during treatment.

Harry broke his leg and was admitted to his local hospital for treatment.

Medicare

Hospital Charge
$4,000.00

 
 

Medicare Pays

$2,660.00

Harry Pays
 

(Medicare deductible and coinsurance)

 

$1,340.00

Doctor Charge
$2,000.00

 
 

Medicare Pays

$1,453.60

Harry Pays
 

(includes $183 deductible and 20% of all other charges)

 

$546.40

Total Harry Pays
 

 

$1,886.40

Medicare + Plan 65 Plan F

Hospital Charge
$4,000.00

Medicare Pays
$2,660.00

Plan 65 Plan F Pays

$1,340.00

Harry Pays

 
 

$0

Doctor Charge
$2,000.00

Medicare Pays
$1,453.30

Plan 65 Plan F Pays

$546.40

Harry Pays

 
 

$0

Total Harry Pays
 

 

$0

Ready? Let's go.

1 Get Original Medicare

Head to ssa.gov before you turn 65 or when you first become eligible for Medicare. Get signed up for Parts A and B.

2 Complete your coverage

Visit us. Get all the additional coverage you’ll need right here. You can get prescription drug coverage, and dental coverage - all the things Original Medicare doesn’t cover.

3 Renew or change each year

Look for yearly enrollment periods so you can change or renew your coverage. Some plans can be added any time. Original Medicare renews automatically each year.

Compare Our Medicare Supplement Plans

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Medicare resources at your fingertips.

e_702 08/18 Not connected with or endorsed by the U.S. Government or the Federal Medicare Program. Rev. 08/18

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Life in Motion

Getting older doesn't mean you have to slow down. Hear from real Kansans that are featured in our Plan 65 commercials on what it means to keep their life in motion.

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