Compare 2010 Plans

We offer two Blue Medicare Rx (PDP) plans for you to choose from. Our Standard Plan meets and exceeds Medicare's minimum benefit requirements. Additionally, we offer an even more comprehensive plan - the Enhanced Plan.

Why choose the Enhanced Plan?

No deductible
$6 and $35 copayments for most drugs
No "coverage gap" for generic drugs
Extensive list of covered drugs
A large and accessible pharmacy network
Virutally no claims to file
Our most popular plan¹

Plan Feature	Standard $56.80/month	Enhanced $81.20/month
Drug list (Formulary)	Includes nearly 100% of the drugs covered by Medicare Part D	Includes nearly 100% of the drugs covered by Medicare Part D
Tier 1 Generic copayment	$6	$6
Tier 2 Preferred brand copayment	$41	$35
Tier 3 Non-preferred brand copayment	$81	$75
Tier 4 Specialty	33% coinsurance
Phase 1: Annual deductible	You pay $0 You pay no annual deductible.
Phase 2: Initial coverage	You + Plan = $2,830 You pay the copayment or coinsurance for your drugs, and the plan pays the remainder until total drug costs reach $2,830.
Phase 3: Coverage gap	No coverage You pay 100% of your discounted drug costs until your yearly out-of-pocket drug costs (not including premiums) equal $4,550.	You pay: $0 for preferred mail order generics $6 copayment for all other generics 100% for all other tier drugs.
Phase 4: Catastrophic coverage	You pay 5% After you reach $4,550 in out-of-pocket costs, the plan pays the majority of the drug costs until the end of the year. You pay the greater of $2.50 for generic, $6.30 for brand name or 5% of the total drug cost.

Additional Information

We also provide an overview of the benefits covered by both plans, along with a comprehensive explanation of those benefits and a list of the exclusions and limitations for each plan.

Product Brochure - Contains important information and a summary of benefits

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1 BCBSNC internal data, 2007

BCBSNC is a prescription drug plan sponsor with a Medicare contract. Prescription drug coverage is not sold as a benefit of any Medicare supplement plan.

The benefit information provided herein is a brief summary, but not a comprehensive description of available benefits. Additional information about benefits is available to assist you in making a descision about your coverage. This is an advertisement; for more information contact the plan.

This tool provides useful information to help you review plans based on your current drug needs. The drug costs displayed are estimates and may vary based on the specific quantity, strength and/or dosage of the medication, the order in which you purchase your prescriptions, and the pharmacy you use. But it also is important to look beyond your current needs at the insurance value of Blue Medicare Rx coverage. Enrolling now gives you peace of mind because the coverage will be there even if your drug needs become more significant in the future. And any time you spend out-of-pocket more than $4,050 in a year, Medicare will pay almost all of your remaining drug costs.

You may be able to get Extra Help to pay for your prescription drug premiums and costs. To see if you qualify for Extra Help, call:

1-800-MEDICARE (1-800-633-4227) – TTY users should call 1-877-486-2048, 24 hours a day, 7 days a week
Social Security at 1-800-772-1213, 7 a.m. – 7 p.m., Monday – Friday (TTY users should call 1-800-325-0778)
Your state Medicaid office

People with limited income may qualify for Extra Help to pay for their prescription drug costs. If eligible, Medicare could pay for seventy-five percent of drug costs, including monthly prescription drug premiums, annual deductibles and coinsurance. Additionally, those who qualify will not be subject to the coverage gap or a late enrollment penalty. Many people are eligible for these savings and don’t even know it. For more information about Extra Help, contact your local Social Security office or call 1-800-MEDICARE (1-800-633-4227), 24 hours per day, 7 days per week. TTY users should call 1-877-486-2048.

® Mark of the Blue Cross and Blue Shield Association. SM Mark of Blue Cross and Blue Shield of North Carolina.

The information on this page is current as of 05/01/2010.