Compare 2008 plans

We offer two Blue Medicare Rx Plans. Our Standard Plan meets Medicare’s minimum benefit requirements. Additionally, we offer a more comprehensive, enhanced plan—the Enhanced Plan.

Why choose the Enhanced Plan?

• No deductible
• $10 and $30 copayments for most drugs
• No "coverage gap" for generic drugs
• Extensive list of covered drugs
• A large and accessible pharmacy network
• No claims to file
• Our most popular plan¹

$75.50/month
Generic drugs	Brand name drugs	Specialty drugs
				Phase 1: Your coverage starts right away. There is no deductible.
You pay $10	You pay $30	You pay 25%
				Phase 2: Initially you pay $10 for generic, $30 for brand and 25% coinsurance for certain specialty drugs.
	You pay 100%	You pay 100%		Phase 3: Once your total annual drug costs exceed $2,510, you can avoid the "coverage gap" when you purchase generic drugs.
You pay 5%				Phase 4: Once your total annual out-of-pocket drug costs exceed $4,050, you pay very little for prescription drugs. You generally pay just 5% (or $2.25 generic/$5.60 brand, whichever is greater), and BCBSNC pays 95%.

What is the Standard Plan?

• $275 deductible
• 25% coinsurance until "coverage gap" begins at $2,510 in total annual drug costs
• Generally 5% coinsurance after "coverage gap" ends
• Extensive list of covered drugs
• A large and accessible pharmacy network

$52.50/month
You pay 100%	$275 deductible Phase 1: You will be responsible for 100% of the first $275 in total prescription drug costs in each calendar year before your prescription drug benefit begins.
You pay 25% BCBSNC pays 75%	25% coinsurance Phase 2: After the first $275, you will be responsible for 25% of the total cost of your prescription drugs. BCBSNC will pay 75% of your total drug costs until they reach a total of $2,510.
You pay 100%	Coverage gap Phase 3: After your total annual drug costs reach $2,510, you will be responsible for 100% of your prescription drug costs until your out-of-pocket expenses reach $4,050. This is referred to as the "coverage gap."
You pay 5% BCBSNC pays 95%	Generally 5% coinsurance Phase 4: After your total annual out-of-pocket costs reach $4,050, you will pay very little for prescription drugs. You will generally pay only 5% (or $2.25 generic/$5.60 brand name, whichever is greater) for prescription drugs and BCBSNC will pay the rest.
All drug types (generic, brand name and specialty)

Plan comparison

View a side-by-side comparison of our Enhanced Plan and Medicare’s Standard Plan:

 Plan Comparison Chart 

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Summary of Benefits

You can download an overview of benefits covered by both plans by selecting the link below.

 Enhanced and Standard Plan - Summary of Benefits 

Evidence of Coverage

If you would like a comprehensive explanation of plan benefits, which outlines exactly what is covered, select a plan below.

 Enhanced Plan - Evidence of Coverage 

 Standard Plan - Evidence of Coverage 

Exclusions and limitations

Like most insurance coverage, our Blue Medicare Rx Plans have some conditions and limitations.