Medicare only covers a portion of your medical costs. But with Blue Cross and Blue Shield of North Carolina, the state's largest Medicare supplement insurer,1 you can stop worrying about the costs that Medicare doesn't cover with our Blue Medicare Supplement plans.2
We offer 11 Medicare supplement plans: A-D, F, High Ded F, G, and K-N with attained-age rating.6 You can compare our Medicare supplement policies and learn more about attained-age rating with our Outline of Coverage for Blue Medicare Supplement.
Our Blue Medicare Supplement plans also include discounts on vitamins, supplements, massage therapy and more through Blue Values and access to SilverSneakers®1 Fitness Program.7 These perks are available to you at no additional cost.
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1 Based on "2009 Medicare Supplement Insurance Exhibits," published in 2010 by the National Association of Insurance Commissioners (NAIC), as supplied by Mark Farrah.
2 This is only a summary of benefits describing the policies' most important features. The policy is the insurance contract. You must read the policy itself to understand all the rights and duties of both you and your insurance company. These policies may not fully cover all of your medical costs. Neither Blue Cross and Blue Shield of North Carolina nor its agents are endorsed by or affiliated with the United States government or the federal Medicare program.
3 If you are out of the country more than 60 days, then there is no coverage.
4 Pre-existing conditions are conditions for which medical advice was given or treatment was recommended by or received from a physician within six months before the effective date of coverage. If enrollees wait until after the deadline to enroll they may have a waiting period for pre-existing conditions and may have to complete a medical questionnaire.
5 You cannot be turned down for Blue Medicare Supplement with BCBSNC if you meet the following: you're eligible for Medicare; you enroll within six months of enrolling in Medicare Part B; you're a resident of North Carolina; and you're not covered by certain Medicaid programs.
6 When you enroll in an attained-age plan, your rates will increase as you age, due to your age. Our rates will only increase due to age when you move from one age band to the next. In addition, rate adjustments will also be due to medical inflation or overall claims experience. Rates are subject to change June 1 of each year and are guaranteed for 12 months. Any change in rate will be preceded by a 30-day notice. Members will not be singled out for premium increases based on their individual health. Medicare policies that are attained-age should be compared to issue-age rated policies. Premiums for issue-age policies do not increase due to age as the insured ages.
7 The SilverSneakers®1 program is provided by Healthways, Inc., a third-party vendor independent of BCBSNC. BCBSNC is not liable in any way for the services received; results are not guaranteed. Decisions regarding medical care should be made with the advice of a doctor.
The Blue ValuesSM program may change or be discontinued at any time. BCBSNC does not profit from this program. BCBSNC provides this program for your convenience and is not liable in any way for the goods and services received. These programs are not part of your policy or benefits, but are value-added discounts available for your use.
If your coverage with BCBSNC has ended and you need proof of coverage or a Certification of Health Insurance Coverage, please call Customer Service at 1-800-672-6584, Monday - Friday, 8 a.m. to 6 p.m.
®, SM Marks of the Blue Cross and Blue Shield Association. SM1 Mark of Blue Cross and Blue Shield of North Carolina. SilverSneakers®1 Mark of Healthways, Inc.