2021 Plan Highlights Medical, prescriptions and more in one easy-to-use plan - with in/out-of-network flexibility - Medicare

Page created by Lorraine Stanley
 
CONTINUE READING
2021 Plan Highlights Medical, prescriptions and more in one easy-to-use plan - with in/out-of-network flexibility - Medicare
2021 Plan Highlights
                          Medical, prescriptions and more
                          in one easy-to-use plan — with
                              in/out-of-network flexibility.

H0104_BRO21_M
2021 Plan Highlights Medical, prescriptions and more in one easy-to-use plan - with in/out-of-network flexibility - Medicare
NEW FOR 2021!
    Comprehensive dental coverage with increased annual allowance
    Lower doctor copays — now just $5 on Complete plan
    Lower copays for Physical, Occupational and Speech Therapy
    Glucometers and test strips for $0 copay at retail pharmacies or through
     mail-order service††
    14 home-delivered meals with $0 copay***
    Expanded Preferred Pharmacy Network now including Costco, Kroger, Publix,
     Walgreens, Walmart, Winn-Dixie and hundreds of new local, independent
     neighborhood pharmacies
    $0 copay on hundreds of Tier-6 Select Care drugs

Blue Advantage® (PPO) AT-A-GLANCE
Blue Advantage is an all-in-one Medicare Advantage plan that combines hospital, doctor,
prescription drug coverage and more — including dental, vision, hearing and fitness.
• Choice of plans including a $0 monthly plan premium option.
• Large provider network — with more than 90% of all doctors and 100% of Alabama
  hospitals.
• Freedom to use providers outside the network.
• NO REFERRALS required to see specialists.
2021 Plan Highlights Medical, prescriptions and more in one easy-to-use plan - with in/out-of-network flexibility - Medicare
SUMMARY OF WHAT YOU WILL PAY IN 2021
                                                                Blue Advantage                                  Blue Advantage
    2021 MONTHLY                                                  COMPLETE                                         PREMIER
    PLAN PREMIUM                                                           $
                                                                               0                                       $
                                                                                                                           170
Primary Care Doctor
                                                                    NEW 5                                                      5
                                                                        $                                                  $
(copay per visit)
Specialist (copay per visit)                                           $
                                                                        40                                      NEW $25
Lab Services                                                            $
                                                                         0                                           $
                                                                                                                      0
X-rays                                                                 $
                                                                        15                                           $
                                                                                                                      5
Diagnostic Radiology
(MRI, CT scans)
                                                                       $
                                                                           75                                              25
                                                                                                                           $

Outpatient Hospital                                                    $
                                                                        250                                            $
                                                                                                                           150
Physical, Occupational, and
                                                                    NEW 30                                          NEW 20
                                                                        $                                               $
Speech Therapy Sessions
Ambulance Services                                                     $
                                                                        275                                            $
                                                                                                                           150
Inpatient Hospital
                                                       $
                                                        225 per day for days 1 – 7;                     175 per day for days 1 – 5;
                                                                                                        $
                                                          $
                                                           0 for days 8 – 365                             $
                                                                                                           0 for days 6 – 365
Post-Discharge Meals
(for members with two of the following                              NEW $0                                          NEW $0
chronic conditions: COPD, diabetes, CHF,               14 meals delivered for FREE                      14 meals delivered for FREE
vascular disease, rheumatoid arthritis)
                                                        $
                                                         0 per day for days 1 – 20;                    0 per day for days 1 – 20;
                                                                                                        $
Skilled Nursing Facility
(prior hospital stay not required)
                                                      $
                                                       160 per day for days 21 – 80                 $
                                                                                                     100 per day for days 21 – 55;
                                                       $
                                                        0 per day for days 81 – 100                  $
                                                                                                      0 per day for days 56 – 100
Medicare Part B Drugs
(injectable and infused drugs like                                     20%                                             20%
chemo, etc.)

Emergency Room Visit
                                                                       $
                                                                           90                                          $
                                                                                                                           120
                                                     (waived if admitted within 24 hours)           (waived if admitted within 24 hours)
Diabetes Supplies
(Glucometer, test strips*)
                                                                           $
                                                                               0                                           $
                                                                                                                               0
Comprehensive Dental Allowance                  NEW $500 per calendar year                     NEW $750 per calendar year
Annual Routine Vision and
Hearing Exam
                                                                           $
                                                                               0                                           $
                                                                                                                               0
Eyewear Allowance                                           100 per calendar year
                                                            $
                                                                                                            100 per calendar year
                                                                                                            $

                                                                $
                                                                 699/$999                                       $
                                                                                                                 699/$999
Hearing Aids
(One per Ear, per Year)
                                                (two high-tech TruHearing™-branded             (two high-tech TruHearing™-branded
                                                            hearing aids)                                  hearing aids)
MOOP: (Maximum                                                  5,100 in-network;
                                                                $
                                                                                                        3,400 in-network;
                                                                                                                $

Out-Of-Pocket) Amount                            $
                                                  7,500 combined in/out-of-network              $
                                                                                                 5,100 combined in/out-of-network
 You must continue to pay your Medicare Part B premium. The benefits/costs shown above represent in-network services unless otherwise
 stated. Please refer to the Blue Advantage (PPO) Evidence of Coverage for a full list of benefits.
 *Glucometer and test strip brands include Ascensia (CONTOUR™ NEXT & PLUS) and LifeScan (OneTouch®).
WHAT YOU WILL PAY FOR PRESCRIPTION DRUGS IN 2021
2021 Prescription
                                               Blue Advantage Complete                                Blue Advantage Premier
Drug Benefits:

                                          Tiers 1, 2 & 6: You pay $0 deductible
Part D Deductible                         Tiers 3, 4 & 5: You pay $150 annual                  All Tiers: You pay $0 deductible
                                          deductible

                                          After deductible, you pay…                           You pay…
                                          At PREFERRED Cost-Sharing Pharmacies                 At PREFERRED Cost-Sharing Pharmacies
                                          Tier 1_Preferred Generic...........$4                Tier 1_Preferred Generic...........$3
                                          Tier 2_Generic......................... $13          Tier 2_Generic......................... $8
                                          Tier 3_Preferred Brand............. $40              Tier 3_Preferred Brand............. $40
                                          Tier 4_Non-Preferred Brand......45%                  Tier 4_Non-Preferred Brand......45%
                                          Tier 5_Specialty Tier................. 25%           Tier 5_Specialty Tier................. 33%
Part D Drug Copays/                       Tier 6_Select Care Drugs.......... $0                Tier 6_Select Care Drugs.......... $0
Coinsurance
                                          At STANDARD Cost-Sharing Pharmacies                  At STANDARD Cost-Sharing Pharmacies
                                          Tier 1_Standard Generic........... $11               Tier 1_Standard Generic........... $10
                                          Tier 2_Generic......................... $20          Tier 2_Generic......................... $15
                                          Tier 3_Standard Brand............. $47               Tier 3_Standard Brand............. $47
                                          Tier 4_Non-Preferred Brand......50%                  Tier 4_Non-Preferred Brand......50%
                                          Tier 5_Specialty Tier................. 25%           Tier 5_Specialty Tier................. 33%
                                          Tier 6_Select Care Drugs.......... $0                Tier 6_Select Care Drugs.......... $0

                                          You pay $0 for Tier 6 Select Care drugs. You pay 25% of generic drug costs
Part D Coverage Gap
                                          (Tiers 1 & 2) and 25% of brand-name drug costs (Tiers 3, 4, 5). Starts when total drug cost
(also known as the “donut hole”)
                                          (what you and the plan spend) reaches $4,130 in 2021.

                                          You pay the greater of $3.70 for generic drugs (Tiers 1, 2, 6) and $9.20 for brand-name
 Part D Catastrophic                      drugs (Tiers 3, 4, 5) OR 5% coinsurance per prescription for the rest of the year.
 Coverage                                 Blue Advantage pays the rest. Starts when your annual out-of-pocket cost reaches
                                          $
                                           6,550 in 2021.

 3 great reasons to use a Preferred Retail Pharmacy:
    1.) Your copays are lowest at Preferred pharmacies.
    2.) There are now over 800 Preferred pharmacies throughout Alabama including Costco, Kroger, Publix,
        Walgreens, Walmart, Winn-Dixie and HUNDREDS of local independent neighborhood pharmacies!
    3.) You can get a 90-day supply of routine medication but pay only the copay for a 60-day supply.
        Visit BCBSALMedicare.com/PreferredPharmacies to find Preferred pharmacies near you.

 Home Delivery Pharmacy Service is also available.
 Get your routine medication without leaving home! When you use our mail-order Home Delivery Pharmacy Service
 you can get a 90-day supply but pay only the copay for a 60-day supply. That’s one month at no cost to you…
 along with free standard shipping!

 *NOTE: The network pharmacies listed may change at any time. Blue Advantage members will receive notice when necessary.
Blue Advantage plans also include these valuable
health and wellness features:

            FREE SilverSneakers® fitness membership‡
            Get fit, have fun and make friends! Work out when, where and how
            you want with SilverSneakers, the nation’s leading exercise program
            for active older adults.

            Preventive Services and Screenings
            Many health screenings, immunizations and other Medicare-
            recommended preventive services are covered at no cost to you.

            TruHearing® Services*
            Enjoy a $0 copay for an annual routine hearing exam through
            TruHearing. You can also get state-of-the-art technology on hearing
            aids at a substantial discount (one per ear, per year). Pay just $699
            or $999, depending on the model you choose.

            24-Hour Nurse Hotline
            Specially trained nurses are “on call” to answer your questions
            24 hours a day, 365 days a year.

            FREE Mobile Apps for Your Smartphone or Tablet
            Enjoy 24-hour online access to your account plus other medical
            and wellness care online tools.

            Disease Management Program
            Our nurses are available to help you manage a variety of chronic
            conditions — through early intervention, appropriate treatments
            and lifestyle changes — at no cost to you.

            AirMed International**
            If you’re hospitalized more than 150 miles from your home, AirMed
            International will provide an air ambulance to bring you to your local
            hospital. There is no cost to you for this service.
You can enroll in Blue Advantage® (PPO) if you are both:

                                      • An Alabama resident; and
                                      • Enrolled in Medicare Part A and Part B

                                 Question about Blue Advantage or need help enrolling?

                                           Call toll free 1-888-873-4707                        (TTY 711)
                                           8 a.m. to 8 p.m., 7 days a week.†

                                           Or visit us online anytime at:
                                           BCBSALMedicare.com
                               Blue Cross also offers traditional, supplemental coverage through
                                  our C PlusSM Medicare Select plans. If you are interested in
                                               C Plus, let us know when you call.

This information is not a complete description of benefits. This is a summary of drug and health services covered by Blue Advantage (PPO). It
doesn’t list every service that we cover or list every limitation or exclusion. If you would like a detailed Evidence of Coverage, you may call us at
1-888-873-4707 (TTY 711) or visit BCBSALMedicare.com.
†From April 1 to September 30, on weekends and holidays, you may be required to leave a message. Calls will be returned the next business day
                                                                                                                                                    .
‡
 SilverSneakers and the SilverSneakers shoe logotype are registered trademarks of Tivity Health, Inc. © 2020 Tivity Health, Inc. All rights reserved. The
SilverSneakers fitness program is provided by Tivity Health, Inc., an independent company.
*©2020 TruHearing, Inc. All Rights Reserved. TruHearing® is a registered trademark of TruHearing, Inc. All appointments must be performed by a TruHearing
network provider. TruHearing is an independent company offering exclusive hearing aid savings for Blue Cross and Blue Shield of Alabama members.
**Air medical transport services are provided through a contract with AirMed International, LLC. AirMed International, LLC is an independent company that does
not provide Blue Cross and Blue Shield of Alabama products. Blue Cross is not responsible for any mistakes, errors or omissions that AirMed, its employees or staff
members make. Air medical services terminate if coverage by your plan ends.
††
  Glucometer and test strip brands include Ascensia ( CONTOUR™ NEXT & PLUS) and LifeScan (OneTouch®).
***You may qualify for a maximum of 14 home-delivered meals from an approved vendor upon each hospital discharge when diagnosed with a minimum of two of
the following chronic conditions: COPD, Congestive Heart failure, Diabetes, Rheumatoid Arthritis or Vascular disease.
BLUE CROSS®, BLUE SHIELD® and the Cross and Shield Symbols are registered service marks of the Blue Cross and Blue Shield Association, an association of
independent Blue Cross and Blue Shield Plans that includes Blue Cross and Blue Shield of Alabama.
Blue Advantage® (PPO) is a Medicare-approved PPO plan. Enrollment in Blue Advantage (PPO) depends on CMS contract renewal. You must continue to pay your
Medicare Part B premium. Out-of-network/non-contracted providers are under no obligation to treat Blue Cross and Blue Shield of Alabama members, except in
emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to
out-of-network services. Medicare beneficiaries may also enroll in Blue Advantage (PPO) through the CMS Medicare Online Enrollment Center located at
www.medicare.gov. This is a solicitation of insurance. Contact may be made by an issuer or insurance producer. C PlusSM is a Medicare Select Plan and is a private
insurance plan regulated by the Alabama Department of Insurance. It is not connected with or endorsed by the U.S. government or the federal Medicare program.
Blue Cross and Blue Shield of Alabama is an independent licensee of the Blue Cross and Blue Shield Association.                                   9655(10/20)BRO-BA
You can also read