Recommended. Put in your zip code above to get BCBSM Medicare Advantage Plans quotes.
One of the top Michigan insurance companies providing Medicare Advantage Plans in Michigan is Blue Cross Blue Shield of Michigan and Blue Care Network. You will find a link to BCBSM 2019 Medicare when you type in your zipcode in the box above.
BCBSM Medicare in 2018 is a health insurance program run by the federal government for people age 65 and older. And also for people under 65 with certain disabilities. Understanding more about your Medicare choices for 2018 will make it easier to choose the right plan.
Is BCSM Medicare new to you? If it is – your choices can be confusing. The coverage you get from the government Medicare plan is simple. Part A hospital insurance and Part B medical insurance. After you enroll in Medicare Part A and B, you can buy Medicare Part C – also called BCSM Medicare Advantage plans.
|Original Medicare||Medicare Advantage|
|Coverage||Covers medical and hospital costs only.||Many plans cover dental, vision, hearing and prescription drugs, in addition to medical and hospital costs.|
|Cost||No cap on what you pay out of pocket. Medicare only pays for a certain number of days in the hospital or in a skilled nursing facility.||Has an out-of-pocket maximum each year. Once you hit a certain dollar amount, your plan pays 100% of the cost for most services it covers.|
|Travel||Except in very rare cases, Medicare doesn’t cover care you get when you’re out of the country, even in an emergency.||May cover emergency care when you’re out of the country. Our plans cover emergency care with a $50,000 lifetime maximum.|
Coinsurance vs. copay
In 2018, with Original Medicare – you pay 20 percent of the cost, or 20 percent coinsurance, for common health services like office visits or outpatient surgery. Most Michigan Medicare Advantage plans use co-pays instead of co-insurance for these services. That means you pay a fixed cost.