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Your Medicare Options


Choosing your Medicare plan can be overwhelming.

It can be hard to figure out what you want, or more important, what you need. That’s why we’ve gathered a list of your options. Look over different combinations of Medicare Parts A, B, C, and D. See how they can work for you.

Need a refresher?

Check out our explanation of the Four Parts of Medicare.

Definition of Terms

Premium

The amount of money paid monthly for your healthcare insurance benefits.

Deductible

The set amount you pay before Capital BlueCross begins to cover more of the costs.

Copayment (Copay)

The fixed amount you pay for a health service or prescription in addition to the payment made by Capital BlueCross. Amounts differ depending on the service. Example: $10 copay for primary doctor visit, $50 copay for an Emergency Room visit.

Out of Pocket Spending Limit

This is the maximum amount of money you will pay out of your own pocket in a given calendar year.

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What are the different types of Medicare health plans?

Original Medicare (Parts A and B)

Original Medicare includes Part A – Hospital coverage, and Part B – Medical coverage. Once you sign up for Medicare, you receive a red, white and blue Medicare card. Once enrolled in Medicare you may be charged a 20 percent copayment for health care services (20% of your health care bill) that Original Medicare does not cover. This is why some seniors chose to enroll in a Medicare Advantage Plan (with or without drug coverage) for additional health care cost coverage. These additional plans help to cover that 20 percent of health care costs that Original Medicare does not cover. You can view a Medicare Card Frequently Asked Questions document here.

Original Medicare Card

Original Medicare with a drug plan (Medicare Part A, Part B and Part D)

There are Medicare Part D Drug Plans available to add to Original Medicare. A Part D Drug Plan will help cover the cost of your prescription drugs. There could be a monthly premium to enroll in a Part D plan.

Medicare Advantage Plan without a drug plan (Medicare Part C)

The government contracts with private insurance companies, like Capital BlueCross, to offer Medicare Advantage plans. The Medicare Advantage Part C coverage helps pay the 20 percent of health care costs that Original Medicare does not cover. Many Medicare Advantage plans also have limited coverage for dental, hearing and vision services. It can also include other benefits, such as over-the-counter drug reimbursement, fitness classes, and transportation to doctor appointments. These plans may have a monthly premium, and/or a copayment for certain health care services. You can choose a Preferred Provider Organization (PPO) or a Health Maintenance Organization (HMO) plan.

BlueJourney PPO CardBJ HMO Card

Medicare Advantage Plan with a prescription drug plan (Medicare Part C and Part D)

Some Medicare Advantage Plans offer Part D drug coverage in combination with the Part C benefits mentioned above. These plans may have a monthly premium and a copayment for certain health services and your prescriptions. To learn more about Capital BlueCross Medicare Advantage options, view our BlueJourney plans.

Other options to look at.

Medicare Supplement Plan without a drug plan (Part A, Part B and Supplement)

A Medicare supplement plan with a prescription drug benefit covers some of the gaps that Original Medicare does not pay. Original Medicare is your primary insurance. A supplement plan helps cover some health care and additional prescription plan costs like copays, coinsurance and deductibles.

Medicare Supplement Plan with a drug plan (Part A, Part B, Part D and Supplement)

A Medicare supplement plan with a prescription drug benefit covers some of the gaps that Original Medicare does not pay. Original Medicare is your primary insurance. A supplement plan helps cover some health care and additional prescription plan costs like copays, coinsurance and deductibles.

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Updated August 17, 2020

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