INIDVIDUAL HEALTH PLANS


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Blue Medicare SupplementSM

For North Carolina beneficiaries enrolled in Medicare Part B

Savings and peace of mind

Medicare only covers some of your medical costs. That’s why Blue Cross and Blue Shield of North Carolina (BCBSNC) offers dependable Medicare supplement plans for Medicare beneficiaries, to help lessen the worries over costs that Medicare doesn’t cover. Choose from our 111 Blue Medicare SupplementSM plans to find the plan that best fits your needs and your budget.

A local company you can trust

We provide Medicare supplement coverage to more North Carolinians than any other insurer in the state.2 BCBSNC serves more than 125,0003 North Carolina Medicare beneficiaries with over 77 years of experience in the health care industry.

See the doctor you want

No matter which Blue Medicare SupplementSM plan you choose, you’re free to select your own Medicare-participating doctor or visit any Medicare-participating hospital. And in most cases, your Part A and Part B Medicare claims and supplement claims are handled automatically by BCBSNC.

Value-added discounts

You’ll also have access to Blue ValuesSM, our value-added discount programs and Silver Sneakers®1Fitness Program4 available to you at no extra cost.5 You’ll be eligible for discounts on health-related products and services, such as eyeglasses, hearing aids,and more.

No waiting periods

If you enroll early, you may be eligible for this plan without waiting periods for pre-existing conditions. 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 you wait until after the deadline to enroll, you may have a waiting period for pre-existing conditions.

Guaranteed acceptance by enrolling early

You cannot be turned down for Blue Medicare SupplementSM and may not have to complete a medical questionnaire if you meet the following:

BCBSNC Blue Medicare SupplementSM Information

For costs and further details of the coverage, including exclusions, any reductions or limitations and terms under which the policy may be continued in force, contact your agent or the company.

1 Plan A: BMS A, 02/11, Plan B: BMS B, 02/11, Plan C: BMS C, 02/11, Plan D: BMS D, 02/11, Plan F: BMS F, 02/11, HI DED Plan F: BMS HDF, 02/11, Plan G: BMS G, 02/11, Plan K: BMS K, 02/11, Plan L: BMS L, 02/11, Plan M: BMS M, 02/11, Plan N: BMS N, 02/11

2 Based on “2009 Medicare Supplement Insurance Exhibits,” published in 2010 by the National Association of Insurance Commissioners (NAIC), as supplied by Mark Farrah Associates.

3 Based on Blue Cross and Blue Shield of North Carolina (BCBSNC) enrollment data, 2010.

4 The SilverSneakers program is provided by Healthways, Inc., a third-party vendor independent of BCBSNC. The program is a value-added program and not part of member policy or benefit. It may change or be discontinued at any time. BCBSNC does not profit from this program and is not liable in any way for the goods or services received.

5 Blue Values programs may change or be discontinued at any time. Blue Cross and Blue Shield of North Carolina (BCBSNC) provides these programs for member convenience and is not liable in any way for the goods and services received. These programs are not part of a member’s policy or benefits, but are value-added discounts available for their use. BCBSNC does not profit from the Blue Values programs

6 Guaranteed acceptance is limited to (Plans A and C) for those under age 65 who have Medicare due to disability.

U4093, 3/11

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