New to Medicare? Turning 65?label=FAQs
If you’re new to Medicare, let us reassure you that we’re here to help you make the right decisions.
We have put together this brief overview to help you get a clearer picture of how Medicare works, and how the choices can best fit together for you.
Original Medicare - Medicare is a health insurance program that is run by the U.S. government. This insurance program offers you a broad range of coverage for medical care. It is available to people 65 years of age or older. Medicare is also available to younger people with certain disabilities and people with end-stage renal disease (ESRD) – permanent kidney failure living with dialysis or a transplant.
Did you know that Medicare comes in separate parts?
The simplest way to get a handle on Medicare is to understand each of the different parts. Parts A and B are Original Medicare run by the government. Parts C and D are offered by private insurers.
Medicare Part A is hospital coverage that helps cover the costs for:
| Inpatient care in hospitals and skilled nursing facilities (not custodial or long-term care).|
| Hospice and some home health care services.|
Medicare Part B is medical care coverage that helps cover the cost for:
| Doctors’ services, hospital outpatient care and some home health care services as well as lab tests and durable medical equipment.|
| Most preventive services, including a yearly wellness exam. |
Medicare Part C is coverage through Medicare Advantage Plans.
You can replace Medicare Parts A and B with Medicare Part C, also called Medicare Advantage. Unlike Original Medicare Parts A and B, which are part of the government-run insurance program, Medicare Part C consists of Medicare Advantage plans offered by private insurers that have been approved by Medicare. Medicare Advantage (MA) plans offer similar coverage to Part A (hospital services) and Part B (medical services), but typically offer additional benefits. Some of these additional benefits may require an additional fee. Our plans may include benefits like prescription drug coverage and fitness programs. Depending on where you live, you may be able to choose MA PPO plans, MA HMO plans and MA plans with prescription drug plans (as well as other options). Please see the Summary of Benefits document for your selected plan for more details.
To learn more about our Medicare Advantage plans: Shop for Medicare Solutions
Medicare Part D is for prescription drug coverage.
Medicare Part D is only offered by private insurers approved by Medicare.
| Help pay for most brand-name and generic prescribed drugs.|
| Provide access to retail drugstores across the country and mail-order options.|
Like a Medicare Advantage plan, Medicare Part D is available only from private insurers through contracts with Medicare. Joining a Medicare prescription drug plan (Part D) is voluntary, and you pay an additional monthly premium for the coverage. You are eligible to enroll if you are entitled to Medicare hospital insurance (Part A) and/or enrolled in Medicare medical insurance (Part B).
To learn more about our Medicare Part D plans: Shop for Medicare Solutions
You may also be interested in learning more about our Medicare Supplement plans. Medicare Supplement plans work with Original Medicare to cover "gaps" in coverage, like deductibles and coinsurance.
To learn more about our Medicare Supplement plans: Shop for Medicare Solutions
Need a little help? Would you like to talk to a health benefit advisor?
Feel free to give us a call! We’ll be happy to help answer your questions and choose an Anthem plan that’s just right for you. Click here
to contact us.
Have questions? Let’s talk.
To reach a licensed insurance agent, call us at 1-888- 912-9633, TTY/TDD 711, 8 a.m. to 8 p.m., 7 days a week.
You may also call Customer Service
to learn more about our plans, 8 a.m. to 8 p.m., seven days a week (except Thanksgiving and Christmas), from October 1 through February 14; and Monday through Friday (except holidays) from February 15 through September 30.
Anthem Blue Cross and Blue Shield is an HMO plan, an LPPO plan, an RPPO plan, and a PDP with a Medicare contract. Enrollment in Anthem Blue Cross and Blue Shield depends on contract renewal.
The Medicare Contract is renewed annually, and the availability of coverage beyond the end of the current year is not guaranteed. You are eligible to enroll if you are entitled to Medicare Part A and enrolled in Medicare Part B and you live in the service area. You must continue to pay your Medicare Part B premium. With some exceptions you can only enroll during certain times of the year.
The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan.
Limitations, copayments, and restrictions may apply.
Benefits, formulary, pharmacy network, provider network, premium and or co-payments/co-insurance may change on January 1 of each year.
To obtain an aggregate number of grievances, appeals and exceptions filed or for full information on benefits, please call Customer Service
Please reference the Evidence of Coverage for information on premiums, cost-sharing, out-of-network coverage, rights and responsibilities upon disenrollment and any applicable conditions associated with using the plan benefits.
If you have special needs, our Plan documents may be available in other formats. Please call Customer Service
Y0071_14_17617_R CMS Approved 10/29/2013
Last Updated 10/01/2013