![]() ![]() Medicare requires that all SNPs provide prescription drug coverage. Ideally, the plan provides greater coverage aspects that a person may need. Blue Cross SNPsĪ Special Needs Plan (SNP) is a Medicare Advantage plan dedicated to those who have a particular condition or characteristic. They can choose if they will provide a service at the Medicare reimbursement rate or not. Unlike other Medicare plans, a PFFS plan provider doesn’t have to offer you services just because they accept Medicare. ![]() Sometimes, providers will contract with a PFFS plan to provide services. Instead, the plan sets how much it will reimburse a doctor and you are responsible for paying the remainder of the provider’s reimbursement. This plan type doesn’t require you to use a particular PCP, in-network providers, or receive referrals. Blue Cross PFFS plansĪ Private Fee For Service (PFFS) plan is a Medicare Advantage plan that Blue Cross offers in Arkansas only. You may pay more if you choose an out-of-network provider. However, you can save money by choosing in-network providers from the insurance company’s provider list. This is because you don’t usually have to get a referral to see a specialist when you have a PPO. As a general rule, a PPO will have a slightly higher premium than an HMO. Medicare is a health insurance program sponsored by the federal government for people aged 65 and older and for individuals under 65 with specific medical conditions. If you decide on a Medicare Advantage or MA plan, you’ll still have to enroll in parts A and B and pay the Part B premium. Part A coinsurance and hospital coverage. Use the scroll bar at the bottom of the chart to view all plans and information. Blue Cross PPO plansīlue Cross offers Preferred Provider Organization (PPO) plans in states that include Alabama, Florida, Hawaii, and Montana (just to name a few). Medicare Advantage is the private health insurance alternative to the federally run original Medicare.Think of Advantage as a kind of one-stop shopping choice that combines various parts of Medicare into one plan. You can use the 2024 Medigap plan chart below to compare the benefits that are offered by each type of plan. Your insurance plan would first have to approve the specialty physician referral.Īn exception with Blue Cross is that most women wouldn’t need a referral to see an in-network OB/GYN for routine well-woman care, such as a Pap smear. If you were to need specialty care, you would first see your PCP, then they would give you a referral to see a specialist. Part D provides prescription drug coverage. Part C offers an alternate way to receive your Medicare benefits (see below for more information). Part B provides outpatient /medical coverage. Part A provides inpatient /hospital coverage. In this plan type, you would have an in-network primary care provider (PCP). There are four parts of Medicare: Part A, Part B, Part C, and Part D. Blue Cross HMO plansīlue Cross offers Health Maintenance Organization (HMO) plans in several states, including Arizona, California, Florida, Massachusetts, and many more. Let’s review the different types of Medicare Advantage plans Blue Cross offers. Their availability may vary by region and state. Blue Cross Medicare Advantage plan optionsīlue Cross offers a variety of Medicare Advantage plans. ![]()
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