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Frequently Asked Questions
Get all the information you need to know before making a decision
Original Medicare is a federally funded health insurance plan. It's designed for people age 65 or older and some disabled people under age 65. Medicare Part A pays for inpatient hospital care, skilled nursing facility care, and hospice care. Medicare Part B pays for outpatient surgery, doctor visits, and many other Medicare services not covered by Part A. With Original Medicare, you get easy access to care.
A Medicare Advantage plan is an alternative to Original Medicare and often Medicare Part D benefits which provides you with complete coverage for your Medicare benefits and often additional benefits beyond Original Medicare, such as routine vision care, routine dental coverage, and more. Many Medicare Advantage plans include Part D prescription drug coverage. Medicare Advantage plans are offered by private companies approved by Medicare.
These insurance plans are offered by private insurance companies to help you cover health care costs, including co-insurance, copayments and deductibles—"gaps" in Original Medicare coverage.
There are several types of Medicare plans. It's up to you to decide which services you choose and who administers your benefits (a private health insurance company or the government). Blue Cross Blue Shield can help you navigate through all the options to find the plan that’s right for you.
If your employer offers to continue your group health coverage after you retire, carefully weigh your options and consider Medicare coverage alternatives available to you as an individual. If you decline your group health coverage you may not be able to return to it if you change your mind later. Ask your benefits administrator for more information.
These insurance plans are offered by private insurance companies to help you cover health care costs, including co-insurance, copayments and deductibles—"gaps" in Original Medicare coverage. The annual election period for Medicare Part D and Medicare Advantage plans is October 15 through December 7.
Open enrollment in Medicare supplement plans vary by plan. You can enroll in a Blue Cross Blue Shield of Massachusetts Medex plan at any point during the year. You have, by law, at least 30 days to review a Medicare supplement policy. If you decide you don't want the coverage, you can get a full refund of any premiums you've paid during this "free look" period.