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Medicare Plans and Paths

One of the trickier parts to Medicare is understanding what parts can be combined to create your ideal coverage. Generally, there are two main paths you can choose. From there, you can fine-tune your choices to fit your budget and your lifestyle.

Path 1

Original Medicare (Parts A & B) + Supplemental Coverage

  • Part A

    Provided by the federal government.

      • Inpatient care in hospitals
      • Skilled nursing facility care
      • Hospice care
      • Home health care
    • Part B

      Provided by the federal government with a premium based on monthly income.

        • Physician services
        • Ambulance services
        • Mental health
        • Durable medical equipment
        • Some preventive service
      • Supplemental Coverage

        Provided by private insurance companies, like Blue Cross NC.

        Medicare Supplement Plan

        Helps cover the costs not fully covered by Medicare Parts A and B.

        Part D (Medicare PDP)

        Helps cover your prescription drug costs.

      Path 1 Perks

      Nationwide Coverage

      Your coverage is good coast-to-coast at any Medicare-accepting provider.

      Flexibility

      You have the freedom to travel and see any doctor or hospital that accepts Medicare.

      International Travel Benefits

      Some plans offer coverage for emergency care while traveling outside the country.

      Path 2

      Medicare Advantage (Part C)

      What is Medicare Advantage?

      Medicare Advantage plans are PPO or HMO plans offered by private insurance companies like Blue Cross NC.

      Medicare Advantage (Part C) plans include:
       

      Medicare Parts A and B

      Coverage for all the same services as Medicare Parts A and B, but with lower out-of-pocket costs when you use doctors and hospitals in the plan’s network. (Your Part B premium is still required.)

      Part D (Medicare Rx)

      Most Medicare Advantage plans include Part D prescription drug coverage.

      Some Medicare Advantage plans also include:
      • Vision benefits

      • Hearing benefits

      • Dental benefits

      • Wellness benefits and discounts such as no-cost fitness memberships

      Path 2 Perks

      All-in-One Coverage

      You can choose a plan that includes prescription drug coverage, as well as other benefits such as dental and hearing.

      Limits on Out-of-Pocket Costs

      Unlike Original Medicare, Medicare Advantage plans put a cap on your out-of-pocket costs. Once you hit the cap, the plan pays 100% of your covered costs.

      Affordability

      Many plans offer more comprehensive coverage for a lower cost than Path 1.

      MEDICARE Plain & Simple

      Get a Copy of Our
      Medicare Guide


      Download Medicare Guide (PDF)

      Find a Plan

      Explore plans near you, or get a personalized recommendation.

      Want to Speak with Someone?

      Our Medicare Sales Specialists are available to answer your questions and help you enroll.

      • Blue Medicare HMO & PPO

        1-800-665-8037
        TTY users dial 711

        Hours

        7 days a week: 8 a.m.– 8 p.m.

         

        To enroll

        Monday – Friday: 8 a.m. – 5 p.m.

      • Blue Medicare Rx (PDP)

        1-800-661-5518
        TTY users dial 711

        Hours

        7 days a week: 8 a.m.– 8 p.m.

         

        To enroll

        Monday – Friday: 8 a.m. – 5 p.m.

      • Blue Medicare Supplement

        1-800-478-0583
        TTY users dial 711

        Hours

        7 days a week: 8 a.m.– 8 p.m.

         

        To enroll

        Monday – Friday: 8 a.m. – 5 p.m.

      • Healthy Blue + MedicareSM

        1-800-400-8745
        TTY users dial 711

        Hours

        7 days a week: 8 a.m.– 8 p.m.

         

        To enroll

        Monday – Friday: 8 a.m. – 5 p.m.