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New to Medicare? Turning 65?label=FAQs

PW_E174883
 
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. 
These plans: 
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 for details.  
Y0071_14_17617_R CMS Approved 10/29/2013
Last Updated 10/01/2013 
©2005-2014 copyright of Anthem Insurance Companies, Inc.

Anthem Blue Cross and Blue Shield is the trade name of: In Colorado Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Com pany. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin ("BCBSWi"), which underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation ("Compcare"), which underwrites or administers the HMO policies; and Compcare and BCBSWi collectively, which underwrite or administer the POS policies. Independent licensees of the Blue Cross and Blue Shield Association. ® ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. Use of the Anthem Web sites constitutes your agreement with our Terms of Use