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What is Medicare?

Medicare is federal health insurance offered primarily to people age 65 and older and disabled individuals under the age of 65. Created in 1965, Medicare started with just two parts—Part A and Part B. Later on, additional parts—Part C and Part D—were added as the needs of Medicare beneficiaries changed.

It's important to understand that Original Medicare (Part A and Part B) does not cover all of your medical expenses. Learn about other options that are available and why they may be right for you.

Part A

Hospital insurance for inpatient stays and more:
  • Usually there is no monthly premium for Part A coverage.
  • You pay a Part A deductible and coinsurance, which are out-of-pocket expenses, when you receive care. You are responsible for paying these expenses unless you have a separate health insurance plan to cover them.

Part B

Medicare insurance for doctor services and more:
  • Part B is optional coverage
  • You usually pay a Monthly Part B premium
  • For most services, you pay a calendar year Part B deductible and coinsurance unless you have insurance for those expenses

Part D

Medicare-approved prescription drug coverage:
  • Part D is sold only through private organizations, like insurers, that are contracted with Medicare.
  • Coverage can be purchased either as a "stand-alone" prescription drug plan (PDP) or may be included with a Part C Medicare Advantage plan. Plans that combine medical coverage and prescription drug coverage are called Medicare Advantage Prescription Drug (MA-PD) plans.

Part C

Medicare Advantage:
  • Part C Medicare Advantage (MA) plans replace Original Medicare with coverage offered by private organizations, like insurers, that are contracted with Medicare.
  • These plans offer everything covered by Original Medicare Part A and Part B, plus they often include prescription drug coverage and coverage of certain services not paid by Original Medicare.
  • Premiums and deductibles vary by plan.
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Why many people choose to buy additional coverage

Medicare does NOT pay:

  • Your Part B monthly premium
  • Parts A and B deductibles
  • Parts A and B coinsurance

Medicare also does NOT cover most prescription drugs and you may need additional prescription drug coverage.


Florida Blue has a number of Medicare plan options to help you get the coverage you need.

 

Learn about our plans

Florida Blue is a PPO, RPPO and Rx (PDP) Plan with a Medicare contract. Florida Blue HMO and Florida Blue Preferred HMO are HMO Plans with a Medicare contract. Enrollment in Florida Blue, Florida Blue HMO or Florida Blue Preferred HMO depends on contract renewal.

For assistance, current BlueMedicare Classic (HMO), BlueMedicare Classic Plus (HMO), BlueMedicare Premier (HMO), BlueMedicare Complete (HMO SNP), BlueMedicare Select (PPO), BlueMedicare Choice (Regional PPO), BlueMedicare Premier Rx (PDP) and BlueMedicare Complete Rx (PDP) members should call our Member Services number at 1-800-926-6565. If you are not a Florida Blue Medicare member, please call 1-855-601-9465. Hours are 8 a.m. - 8 p.m. local time, seven days a week from October 1 to February 14, except for Thanksgiving and Christmas. From February 15th to September 30th, we are open Monday - Friday, 8 a.m. - 8 p.m., local time.

For assistance, current BlueMedicare Preferred (HMO), BlueMedicare Preferred HMO (HMO SNP) and BlueMedicare Preferred POS (HMO POS) Member Services number at 1-844-783-5189 for additional information. (TTY users should call 1-800-955-8770.) Hours are 8:00 a.m. - 8:00 p.m. local time, seven days a week.

Florida Blue Medicare Supplement Insurance policies are not connected with or endorsed by the U.S. Government or the Federal Medicare Program.These policies have limitations and exclusions.

Florida Blue is a trade name of Blue Cross and Blue Shield of Florida, Inc., an Independent Licensee of the Blue Cross and Blue Shield Association.
 

FBM EDU 002 092016

 

 

Last Updated: 10.01.2017

Y0011_34059 0917 W CMS Pending

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