Blue Cross Senior
SELECTSM

Blue Cross Senior
SELECT PLUS

A Sweeping New Approach to Medicare Supplemental Coverage

The Advantages are Yours with Blue Cross Senior SELECT and Blue Cross Senior SELECT PLUS

Finally, the advantage of $5 doctor's office visits, like a Medicare HMO, combined with the convenience and freedom to choose from over 40,000 Prudent Buyer®  Physicians and Participating Blue Cross Senior SELECT Hospitals!

Medicare, Blue Cross of California and You

Before Medicare will pay for any of the medical services you want or need, you must first pay the Medicare deductibles. When combined with the Medicare coinsurance you are also required to pay, you could be out hundreds, even thousands of dollars before any benefits are paid by Medicare. Blue Cross Senior SELECT and Blue Cross Senior SELECT PLUS plans can help provide you with protection from these ever-increasing gaps in Medicare.  

These plans are intended only for people age 65 or older, who are enrolled in both Parts A and B of Medicare.

The Plans of Choice

Blue Cross Senior SELECT and Blue Cross Senior SELECT PLUS are Medicare supplement Standard Plan A's with additional benefits for services received In Network as defined below.

  • Low monthly premiums

  • Guaranteed renewable

  • ClaimFree® processing when using plan providers.

  • A prescription drug benefit, including convenient mail order program, is available with Blue Cross Senior SELECT PLUS

  • A dedicated toll-free customer service phone number.

  • Only a $5 copay for office visits to any Participating Prudent Buyer Physician. The same advantage of an HMO, but because you are not "locked-in" to using only the health care providers specified by an HMO, you retain the complete freedom of choice that you have with Medicare.

  • Freedom to use the doctor of your choice from over 40,000 Prudent Buyer Physicians, including specialists, without the "gatekeeper" role.

  • Eliminates out-of-pocket costs for the Medicare Part A $912 deductible when you use a Participating Blue Cross Senior SELECT Hospital (or if you are admitted as an inpatient immediately following an emergency room visit for medical emergency at any hospital, anywhere in the U.S.).

  • Pays* the Medicare Part B $110 annual deductible when you use Participating Prudent Buyer Providers.

  • Benefits for Medicare Part B coinsurance, no matter which provider you choose.

  • No cost to you for Medicare Part B excess charges when you use a Participating Prudent Buyer Physician, or any doctor who accepts Medicare assignment.

  • Full conventional Medicare Benefits at all providers, inside and outside the state -- anywhere in the U.S.

  • You keep the freedom you have with Medicare, and you get to keep your Medicare card too!

*With only a $5 office visit co-pay, up to a maximum out-of-pocket expense of $110 per year.

BENEFITS
(Effective January 1, 2005)
Participating Prudent Buyer Physicians, pharmacies and/or Participating Blue Cross Senior SELECT Hospitals Additional Benefits Non-participating Physicians, Pharmacies and/or Nonparticipating Hospitals4
Part A Deductible ($912) Yes1 No5
Basic Benefits Yes Yes
Part A Hospital (Days 61-90) Yes Yes
Lifetime Reserve Days (91-150) Yes Yes
365 Lifetime Hospital Days Yes Yes
Parts A and B Blood Yes Yes
Part B Coinsurance Yes2 Yes
Part B Annual Deductible ($110) Yes2 No
Part B Excess Charges at 100% Yes No
"Extended" Prescription Drugs, Including Convenient Mail Order Program (Combined $250 Annual Deductible, 50% Coinsurance, $3,000 Maximum Annual Benefit) Yes3 No

1 Waived by Participating Blue Cross Senior SELECT  Hospital.
2 Only a $5 office visit co-pay when using a Participating Prudent Buyer Professional Doctor/Provider, up to a maximum out-of-pocket expense of $110 per year.
3 This benefit is covered under Blue Cross Senior SELECT PLUS only when using a Participating Pharmacy or mail order program.  This benefit is not covered under Blue Cross Senior SELECT.
4 Blue Cross Senior SELECT and Blue Cross Senior SELECT PLUS Out of Network benefits are exactly equivalent to Standard Plan A.
5 Unless you are admitted as an inpatient immediately following an emergency room visit for medical emergency.