ClaimFree® Standard
Plan A

Blue Cross Senior
ClassicSM C

Blue Cross Senior
Classic F

Blue Cross Senior
Classic I

Blue Cross Senior
Classic J

Unique Plans That Fill the Gaps in Medicare
  • Affordable monthly premiums
  • No annual maximums for Medicare-covered services
  • Guaranteed renewable
  • ClaimFree® processing when using plan providers
  • Toll-free dedicated customer service phone number

Unlike Health Maintenance Organizations (HMOs), which require that a specific Primary Care Physician authorizes all medical services outside the scope of his or her office, a Preferred Provider Organization (PPO) allows members to choose their own physician and specialist any time, anywhere within the provider network. Blue Cross of California's ClaimFree Standard Plan A, Blue Cross Senior Classic C, Blue Cross Senior Classic F, Blue Cross Senior Classic I and Blue Cross Senior Classic J provide their members a network of over 40,000 physicians statewide.

The Advantages are Yours With:
  • Freedom to use the doctors of your choice, including over 40,000 Participating Prudent Buyer® Physicians, plus specialists.
  • Freedom to use the hospital of your choice, including more than 300 Participating Hospitals.
  • Pays all Medicare deductibles.*
  • Coverage for Skilled Nursing Facility coinsurance (except on ClaimFree Standard Plan A).
  • Benefits for Medicare Part A and B coinsurance.
  • Benefits for Foreign Travel Emergency (except on ClaimFree Standard Plan A).
  • Prescription Drug Benefits, including a convenient Mail Order Program, are available with the Blue Cross Senior Classic I and Blue Cross Senior Classic J plans.
  • Full conventional Medicare benefits at all providers, inside and outside California -- anywhere in the U.S.
  • You get to keep your Medicare card and your right to basic Medicare benefits too!

* All Blue Cross Senior Classic Plans pay the Medicare Part A $912 deductible. All Blue Cross Senior Classic Plans, with the exception of the Blue Cross Senior Classic I Plan, pay the Medicare Part B $110 annual deductible when you use a Participating Prudent Buyer Provider.

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 of California's ClaimFree Standard Plan A, Blue Cross Senior Classic C, Blue Cross Senior Classic F, Blue Cross Senior Classic I and Blue Cross Senior Classic J can help provide you with protection from these ever-increasing gaps in Medicare. "Medicare pays for many of your health care expenses, but it does not cover all of them. Medigap insurance plans help fill the gaps in your Medicare coverage."

-- The Guide to Health Insurance for People with Medicare*

* Published yearly by the Centers for Medicare and Medicaid Services (CMS) of the U.S. Department of Health and Human Services.
BENEFITS
(effective 1/2005)
(Medicare does not pay)

ClaimFree
Standard Plan A
Pays

Blue Cross
Senior Classic C
Pays

Blue Cross
Senior Classic F
Pays

Blue Cross
Senior Classic
I
Pays

 

Blue Cross
Senior Classic J
Pays

Medicare Part A
Hospital Services
 
Part A Deductible ($912) Yes Yes Yes Yes
Hospital Coinsurance Yes Yes Yes Yes Yes
365 Additional Hospital Days
(After Medicare Benefits End)
Yes Yes Yes Yes Yes
Skilled Nursing Facility Coinsurance
(Days 21-100)
Yes Yes Yes Yes
3 Pints of Unreplaced Blood Yes Yes Yes Yes Yes
Medicare Part B
Physician and Medical Services
 
Part B Annual Deductible ($110) Yes* Yes**   Yes**
Part B Coinsurance  Yes Yes*** Yes Yes

 

Yes
Part B Excess Charges at 100% Yes Yes

 

Yes
Additional Services  
Prescription Drugs Yes+ Yes+
At-Home Recovery Yes

 

Yes
Preventive Medical Care Beyond What is Covered by Medicare   Yes
Foreign Travel Emergency Yes Yes Yes

 

Yes

* Covered when you use a Participating Prudent Buyer Provider with just a $5 office visit co-pay.

** Covered only when you use a Participating Prudent Buyer Provider.

*** You pay just a $5 copay per office visit, up to a maximum of $110 per year, when using a Participating Prudent Buyer Provider.

+ Prescription drug benefit covered only when using a Participating Pharmacy or Mail Order Program: Combined $250 annual deductible, 50% coinsurance, $1,250 maximum annual benefit for Blue Cross Senior Classic I, $3,000 maximum annual benefit for Blue Cross Senior Classic J.

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

Call your agent or Blue Cross of California today for complete information, including conditions, limitations and exclusions of coverage. Do not apply for one of these plans before you have reviewed and understand that additional information.

Not connected with or endorsed by the U.S. Government or the Federal Medicare program.

Blue Cross Senior Classic C, Blue Cross Senior Classic F, Blue Cross Senior Classic I and Blue Cross Senior Classic J are Medicare SELECT plans.