Blue Cross Medicare Supplement Plans 2017

Georgia Blue Cross Medicare supplement plans from Anthem. What’s new for 2018? SILVER SNEAKERS. How do their Medigap rates look? If you are turning 65 is a Medicare supplement plan right for you? Should you switch from my current supplement plan to Blue Cross? Do I have to wait until open enrollment or can I change plans now? How difficult is it to swap my current Medicare supplement plan for one with BCBSGA/Anthem?

Anthem Blue Cross introduced new Medicare supplement rates for 2018. Some rates went up. Others went down. Anthem is offering Medigap plans A, F, G and N. You must be enrolled in Medicare Part A and Part B to purchase a Medicare supplement plan.

Should you switch plans or keep what you have? Questions? Just give us a call. You will never hear Press 1 for English.

 

2017 Blue Cross Medicare Supplement Surprises

Bob Dylan said “The times are a-changin'” and that is true for the Georgia Blue Medigap plans. Here are some of the things you can expect.

  • Silver Sneakers now available on all BCBSGA Medicare supplement plans
  • There are NO networks. Use any provider in the state or nationwide
  • NO medical underwriting if applying within your initial enrollment period
  • Medicare supplement plan G has returned
  • Rate discounts may apply if other household members are insured by Blue
  • New rate guarantee

How does this differ from the “old” Blue Cross plans? What is unique about BCBS supplement plans vs. what I can get from other carriers? What do I need to know that you aren’t telling me?

New and Improved or Just a New Look?

Don’t you hate it when products come in a new package and the bold print says “NEW LOWER PRICE!“? Looking closer you find the price is lower but you are also getting less. Has Blue Cross reinvented the Medicare supplement plan or is it the same as before, and just like everyone else?

The take away.

  • Silver Sneakers has always been available on BCBSGA Medigap plans
  • All Medicare supplement plans allow you do use any doctor or hospital. There are NEVER any networks
  • Every Medigap carrier must issue a policy to anyone who applies during their initial enrollment period. No one can be turned down.
  • Blue offered plan G for many years, then dropped it (along with Hi F) in 2015
  • Household discounts are available from most supplement carriers
  • The initial rate guarantee is only new to Blue Cross. Almost every other carrier has been doing this for years.

As the song goes, “Everything old is new again”.

 

The Take Away

Should you buy a Medicare supplement plan from Blue or not? How about changing from the plan you have now?

As with all other decisions about Medicare, the answer is “it depends”.

No one can tell you which plan is best for you. Only you can decide on the path and coverage that fits your needs and budget.

Here is all you need to know about the 2018 Anthem Blue Cross Medicare supplement plans.

  • They have the same plans other carriers have, just fewer choices
  • All supplement plans with the same assigned letter are identical in every way except the premium.
  • Don’t believe me? Look it up in the 2017 Medicare and You handbook. Page 81 under Medigap Policies Are Standardized.
  • Any doctor that accepts Medicare will also take your Medigap plan, regardless of the issuing carrier. Blue Cross hasn’t cornered the market on doctors.
  • After your initial 12 months Blue Cross can change your rates at any time with 60 days notice
  • Your renewal premium may increase because of increases on all BCBSGA plans plus higher rates due to age change
  • Most other GA carriers have offered plan G for years. This is the first time in 2 years that Blue has made plan G available. Will they continue to offer it or will it go away again?
  • What happens when a plan is discontinued? Most of the time the rates increase at a higher rate than plans that are still offered

Enroll Direct Today

If you want to compare 2018 Blue Cross Medicare supplement plans and rates direct with Blue you can. Review BCBSGA Medigap plans and rates and apply direct. Here you will see Anthem Blue Cross plans A, F, G and N.

You can also see how Blue compares to other GA Medigap carriers. Follow this link to shop and compare GA Medigap plans side by side. At this site you will see about a half a dozen plans from roughly eight carriers. Far less than the 240+ different options available with a detailed report from Georgia Medicare Plans.

Feel free to call and discuss and questions you may have about Medicare. We will quote rates right over the phone and email a report showing all carriers that offer that plan in your area.

 

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Blue Cross Georgia Medigap

Instant online Anthem Blue Cross Georgia Medigap plans and Medicare supplement rates. Compare Anthem Blue Cross Georgia Medigap rates to Aetna, Mutual of Omaha, Gerber,  and other Medicare supplement plans.

GA Medigap rates

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Click to compare Blue Cross Georgia Medigap Rates

 

Post summary

  • Blue Cross Georgia no longer offers Medigap High Deductible F
  • All plans with the same letter are identical except for the premium
  • Instant online quotes
  • Compare multiple plans side by side
  • Your information is never sold
  • Over 240 different Medigap plans statewide in Georgia

Georgia Medicare Plans offers GA seniors access to instant online Blue Cross Georgia Medigap rates as well as personalized quotes.

Blue Cross Georgia Medigap Plan Rates

Blue Cross Georgia offers only 3 different Medicare supplement plans . . . A, F, G and N.

Anthem Blue Cross Georgia Medigap plan A does not cover skilled nursing facility coverage, your Medicare Part A or Part B deductibles.

Blue Cross Georgia has affordable Medicare plans, especially for those age 75 and older. You coverage is guaranteed renewable for life.

There is no paper work, no claims to file. Your medical provider will file your Blue Cross Georgia Medigap claims for you.

When you have original Medicare and a BCBSGA Medigap plan you have access to over 16,000 Georgia doctors and more than 200 hospitals.

Anthem Blue Cross Georgia Medigap plans do not cover outpatient prescription drugs. For that you will need to purchase a separate Part D drug plan.

 

Modern Medicare Plans are Standardized

BCBSGA modernized Medicare plans include all government mandated benefits including preventive care. Medicare preventive services include diabetes screening, immunizations, glaucoma testing, mammograms and pelvic screening. Click on the Medicare link for a complete list of covered Medicare preventive benefits.

All Anthem Blue Cross Georgia Medicare supplement plans fill the gaps in claims approved by Medicare but not paid by Medicare Part A and Part B.  Medicare has deductibles, copay’s and coinsurance. Your BCBSGA Medicare supplement plan covers expenses considered medically necessary by Medicare.

When you have a BCBSGA Medicare supplement plan you do not need a referral to see a specialist. Your policy can never be cancelled except for non-payment of scheduled premiums.

Your 6 month open enrollment window begins the first day of the month when you are age 65 and your Medicare Part B coverage is effective.

Georgia Medicare Plans has instant Blue Cross Georgia Medigap rates from major carriers for GA seniors age 65 and older.

 

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BCBSGA Medicare Supplement

Find instant BCBSGA Medicare supplement Anthem rates and plans.

Shop and compare Blue Cross Medigap rates to Mutual of Omaha, Humana and more. Click to compare plans instantly.

Free Instant Quotes. View up to 40 plans in 60 seconds or less at GA Medigap Quotes.

 

BCBSGA Medicare Supplement Plans

Georgia Medicare Plans offers GA seniors access to instant online Medigap rates as well as personalized quotes.

 

Click Now to View Anthem BCBS Medicare Supplement Rates

BCBSGA Medicare Supplement Rates

 

Anthem/Blue Cross offers 4 different Medicare supplement plans . . . A, F, G and N.

All BCBS Medigap plans now come with Silver Sneakers and an initial 12 month rate guarantee.

Silver Sneakers

Anthem/BCBSGA Medicare supplement plan A does not cover skilled nursing facility coverage, your Medicare Part A or Part B deductibles.

 

Affordable – Easy Enrollment

BCBSGA Medicare supplement plans are affordable, especially for those age 75 and older. You coverage is guaranteed renewable for life.

There is no paper work, no claims to file. Your medical provider will file your BCBS Medigap claims for you.

When you have original Medicare and a BCBSGA Medicare supplement plan you have access to over 16,000 Georgia doctors and more than 200 hospitals.

Blue Cross Medigap plans do not cover outpatient prescription drugs. For that you will need to purchase a separate Part D drug plan.

BCBSGA modernized Medicare plans include all government mandated benefits including preventive care. Medicare preventive services include diabetes screening, immunizations, glaucoma testing. Also mammograms and pelvic screening. Click on the Medicare link for a complete list of covered Medicare preventive benefits.

BCBSGA Medicare supplement plans fill the gaps in claims approved by Medicare but not paid by Medicare Part A and Part B.  Medicare has deductibles, copay’s and coinsurance. Your BCBSGA Medigap plan covers expenses considered medically necessary by Medicare.

 

Any Medicare Provider – No Networks – No Referrals

When you have a BCBSGA Medicare supplement plan specialist referrals are not needed. Your policy can never be cancelled except for non-payment of scheduled premiums.

Your 6 month open enrollment window begins the first day of the month when you are age 65 and your Medicare Part B coverage is effective.

Georgia Medicare Plans has instant Medigap rates from BCBS and other major carriers for GA seniors age 65 and older.

Shop and compare Blue Cross Georgia Medicare supplement plans. Instant rates. Compare plans. Enroll direct. Click now to enroll.

 

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Does the YMCA Silver Sneakers Plan Come With Medicare?

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The YMCA near me has a Silver Sneakers plan. Is that automatically included in Medicare? Which Medicare supplement plans or Medicare Advantage offer Sneakers? Can I sign up direct with Silver Sneakers? silver sneakers

 

What is Silver Sneakers?

Silver Sneakers is a limited gym membership offered as an incentive when you buy a Medigap plan or Medicare Advantage through select marketers. Silver Sneakers is not part of original Medicare, nor is it “built in” to Medicare supplement plans.

With your Sneakers membership you are allowed to use the “basic” services of local gyms and fitness facilities.  You can receive guidance and assistance from personal trainers and participate in many outdoor activities.

Shop and compare rates. Instant online quote. Your information is never sold.

Medicare shop and compare

 

Which plans include Silver Sneakers?

As indicated, some of the Medigap and Medicare Advantage marketers include Sneakers in your coverage when you sign up through them. The list of participating marketers is constantly changing but here are a few:

  • Anthem/BCBSGA Medicare Supplement
  • Cigna Healthspring Medicare Advantage
  • Coventry Medicare Advantage
  • Humana Medicare Supplement
  • Kaiser Medicare Advantage
  • United Healthcare Medicare supplement through AARP

You can review the current list of marketers by using this link.

As best we can tell you cannot sign up direct with Silver Sneakers for a membership.

 

Which Medicare supplement plans include Sneakers?

Currently in Georgia there are only three marketers that include a Sneakers membership when you buy their Medigap coverage. That would be Anthem/Blue Cross, Humana and United Healthcare through AARP.

Bob Vineyard and Georgia Medicare Plans has two of the three available for our clients.

We are more of a purist when it comes to insurance. Generally, the carriers and marketers that use gimmicks such as add-on services or “family discounts” usually incorporate those things to make amends for the lack of value in their plans.

An age 67 female living in Macon Georgia would pay the following (2018) if they picked the popular plan F sold by the “Sneakers” marketers

  • Anthem/Blue Cross – $154
  • Humana – $167
  • United Healthcare (AARP) – $182

In contrast, the BEST current rate for plan F is $130.

Why pay an extra $300 per year (or more) for your Medigap coverage JUST to get a “free” Silver Sneakers membership?

Even more, we almost NEVER recommend plan F for our clients. Most will find plan G to be a much better value and can save an extra $300+ per year or more vs. plan F.

If you are looking for a solid Medigap plan that saves you money and delivers value, shop and compare our rates now. Buy your own gym membership with the savings.

Georgia Medigap plans & Prices

Georgia Medigap plans & Prices

 

 

 

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