subject: Choose Blue Cross Medicare Insurance Plan To Get Complete Coverage [print this page] People must become a part of Blue Cross Medicare insurance plan because the Medicare insurance plans that they have do not cover the entire expense. The fact is Medicare will only cover about 80 percent of the medical expenses. The balance 20 percent must be financed by the person who is covered under the plan. As most people under Medicare are seniors, who are above the age of 65, it often becomes difficult for them to afford even this 20 percent. Many of these people are not even capable of working to earn money. Therefore, their income is not sufficient to cover for the part of the expenses they might have to bear.
That is not all. The fact is Medicare also does not cover any care or procedure that is not documented. This means, any procedure that is good for the health of the person, but is not an absolute necessity, will not be covered.
The Blue Cross Medicare insurance plan can help them here in the state of Arizona. Also known as the Blue Shield plan or Blue Cross Blue Shield Arizona (BCBSAZ), this is actually a supplemental insurance plan that takes care of all medical expenses that have not been covered by Medicare or Medicare Advantage. So, the individual has to subscribe to the BCBSAZ plan apart from the Medicare Part A and Medicare Part B plans. By subscribing to this plan, the person will be able to fill out the gap in coverage created by Medicare.
But it will not work for the Medicare Advantage or the Part C plans. Blue Cross Medicare insurance also does not work with any other healthcare insurance plan which is usually a part of the retirement benefits.
Various Senior Security Plans Of Blue Cross Medicare Insurance
There are two such plans that are mentioned below:
The BCBSAZ Senior Security Plan: Here, there are four Medicare supplemental health insurance plans that the person can choose from. The individual could choose from any of the several providers under this. The four plans are as follows:
* BCBSAZ Senior Security Plan A.
* BCBSAZ Senior Security Plan C.
* BCBSAZ Senior Security Plan F.
* BCBSAZ Senior Security Plan N.
The BCBSAZ Senior Preferred Plan: Here, there are two supplemental options to choose from. In both these options, the care offered is of the standardized level, but the monthly rates are lower than the BCBSAZ Senior Security plan. There are more than 14,000 providers anybody could select from within the coverage area. The two plans are as follows:
* BCBSAZ Senior Preferred Plan C.
* BCBSAZ Senior Preferred Plan N.
There are other good plans too for those who are interested in Blue Cross Medicare insurance such as the CIGNA Medicare plans. CIGNA has offered the Medicare Advantage HMO plan for years. They are introducing the CIGNA Medicare Select plus Rx plan for those in the state of Arizona; this will start in 2011. It will cover inpatient hospitalization, skilled nursing facility care, preventive care, emergency room care, and visit to the doctor's clinic, prescription drugs, durable medical equipment, diagnostic tests, and much more.
by: Harris
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