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    Medicare Glossary

    Welcome to the Blue Cross Blue Shield of Massachusetts Medicare glossary. Here, you’ll find easy-to-understand descriptions of common Medicare terms.

    Choose The Letter Of The Term You're Looking For

      A

      Allowed amount

      The dollar amount that a health care plan determines is appropriate for a covered service. 

      B

      Behavioral Health

      Behavioral health includes mental health care, like visits with a psychiatrist or psychologist, as well as care for substance use disorders. It focuses on how behaviors affect both your health and overall well-being.

      Brand name drug

      A prescription drug that is sold under a trademarked brand name, rather than a generic name.

      C

      Catastrophic Coverage

      Coverage that makes sure your prescription drug costs don’t become unmanageable. Starting in 2024, once you move out of the coverage gap, your insurance provider covers your prescription costs for covered Part D drugs.

      Claim

      Information provided by a health care provider or a member to establish that medical services were provided.

      Co-insurance

      With a co-insurance, you pay some of the cost of your care, and Medicare will pay the rest. For example, a 10% co-insurance on a $100 procedure would be $10. You pay a co-insurance after you’ve paid your plan deductible.

      Coordination of Benefits

      If a member is eligible to receive benefits under this plan and another group plan, we'll coordinate benefits with the other plan. Coordination of benefits means one plan pays first (is primary) and one plan pays second (is secondary). This prevents overpayment of charges. When coordinating benefits, the total payment to a health care provider will not be more than 100 percent of the covered cost.

      Copayment (or Copay)

      A set dollar amount you pay for each health care service, like a doctor's visit or prescription filled.

      Coverage Gap (The Donut Hole)

      Because of the Inflation Reduction Act, the Coverage Gap ends on December 31, 2024. Starting in 2025, all Medicare plans will have a $2,000 cap on what you pay out-of-pocket for prescription drugs covered by your plan. You'll move from the deductible phase (if applicable) to the initial coverage phase (where you pay copays or coinsurance) until you (or others on your behalf) have paid $2,000, then you enter the catastrophic phase and pay nothing for covered Part D drugs for the rest of the year.

      D

      Deductible

      This is a set amount you’ll have to pay out-of-pocket for health care or prescriptions before your coverage begins. With Original Medicare, your deductible is either based on a benefit period (that is, each new time you go to the hospital) for Part A or yearly for Parts B and D. Your deductibles can change yearly.

      Diagnostic services

      Services that help to diagnose or treat an injury, illness, or condition, such as an X-ray, laboratory, and pathology workup.

      Donut Hole

      See coverage gap.

      E

      Election

      This is your decision about the plan you want to join. Whether you enroll in Original Medicare, a Medicare Advantage plan or a Prescription Drug Plan, that is your election.

      Eligibility

      The conditions a person must satisfy to be covered by the health plan contract.

      Eligible charges

      Services that are covered according to your health plan contract.

      F

      Formulary

      A formulary is the list of covered medications under a Medicare Advantage or a Prescription Drug Plan (Part D). This list includes both brand-name and generic drugs. In some Medicare health plans, doctors must only use medications listed on the health plan's formulary.

      G

      General practitioner

      A provider who does not limit their field of practice to a certain specialty.

      H

      HMO (Health Maintenance Organization)

      A type of Medicare managed care plan where a group of doctors, hospitals and other health care providers agree to give health care to beneficiaries for a set amount of money from the Federal government every month. Usually, you’ll need to get your care from the providers in the plan.

      Health plan responsibility

      The amount of portion of the total charge for health care services that your health plan is responsible for covering.

      Hospice Care

      Hospice care is designed for those who are terminally ill and can include physical care and counseling. Hospice care is covered under Medicare Part A.

      I

      Initial Coverage

      Health care that you get when you're admitted to a hospital.

      In-network

      Most health insurances have a list of pre-approved providers that you can visit. You will pay a lower, in-network copay when you visit these providers.

      Inpatient care

      Inpatient refers to care that requires you to be admitted to the hospital and spend at least one night. Surgery, overnight observation or a traumatic injury would all be inpatient care.

      J

      K

      L

      Late Enrollment Penalty

      An amount added to your monthly premium for Medicare Part B or a Medicare Prescription Drug Plan if you don't join when you're first able to. You pay this higher amount as long as you have Medicare. You can delay enrolling in both these plans and avoid the penalty if you already have health coverage through another source, such as an employer.

      M

      Medex®

      A Medicare supplement (Medigap) policy (see definition below), offered by Blue Cross Blue Shield of Massachusetts.

      Medicare Advantage Plan (Part C)

      These private health plans are an alternative to Original Medicare. They can be a Medicare-managed care plan (HMO or PPO) or private fee-for-service (PFFS) plans. These plans are subsidized by the federal government and cover everything Original Medicare does, plus they generally include additional benefits like dental and prescription drug coverage.

      Medicare Coverage

      Original Medicare is made up of both Part A and Part B. Part A covers inpatient care, skilled nursing facilities, nursing home care, hospice care, and home health care. Part B covers medically necessary services, such as lab tests or medical equipment, and preventive services, such as routine doctors’ visits or vaccines.

      Medicare Health Plan

      This is a general term for any private insurance plan that contracts with Medicare. The most common type is Medicare Advantage plans, but the term also covers Medicare Costs plans, pilot programs and Program of All-inclusive Care for the Elderly (PACE) plans.

      Medicare Prescription Drug Coverage (Part D)

      Optional Medicare prescription drug coverage that helps pay for prescription medications.

      Medicare Supplement Insurance (Medigap)

      Medicare Supplement Insurance is private insurance that is used to cover Original Medicare’s out-of-pocket expenses like deductibles, copays, and co-insurances. A Medicare Supplement policy can only be used with Original Medicare — not with a Medicare Advantage plan or a Medigap plan.

      Member responsibility

      The amount you, the member, are responsible for paying of the total costs of any health care services received.

      N

      Network

      The hospitals, physicians, and other medical professionals who sign a contract with a health care plan to provide care for its members.

      O

      Original Medicare (Parts A + B)

      A federally funded, fee-for-service health plan that lets you go to any doctor, hospital, or other health care supplier that accepts Medicare and is accepting new Medicare patients.

      Out-of-network

      If you visit a healthcare provider that isn't part of your health insurance’s approved network of providers, it’s considered out-of-network care. You may pay a higher copay for out-of-network care.

      Out-of-pocket costs

      Out-of-pocket costs refer to money that comes out of your own pocket, meaning any expense you cover directly. This term is most often used for deductibles, copays, or co-insurances but can refer to almost anything related to an expense, including premiums, medical equipment, or transportation.

      Outpatient care

      Medical or surgical care that doesn't include an overnight hospital stay. Examples include urgent care, minor surgery, and diagnostic tests.

      P

      PFFS (Private Fee for Service)

      A type of Medicare Advantage plan that allows you to visit any Medicare-approved doctor or hospital that accepts the plan. The insurance plan, rather than the Medicare program, decides how much it will pay and what you pay for the services you get. You may get extra benefits that Original Medicare doesn't cover, but you may pay more (or less) for Medicare-covered benefits.

      Point of Service (POS) plans

      A health insurance plan that allows you to pay less if you use in-network doctors, hospitals, and other care services.

      PPO (Preferred Provider Organization)

      A type of Medicare Advantage plan in which you use doctors, hospitals, and providers that belong to the network. You can use outside network providers for an additional cost.

      Premium

      The periodic (generally monthly) payment to any insurance company, health care plan, or Medicare for health care.

      Pre-existing condition

      A health condition, such as asthma or diabetes, you were diagnosed with before joining a new health insurance plan. Don’t worry: you can't be denied coverage or charged a higher rate due to a pre-existing condition.

      Preventive care

      Routine care strategies designed to help prevent or limit the potential for illness or injury. Preventive care measures include annual checkups and wellness exams, vaccinations, and cancer screening.

      Primary Care Provider (PCP)

      A provider, usually a family or general practitioner, or internist, who provides a broad range of routine medical services and refers patients to other providers as necessary. In many Medicare-managed care plans, you’ll need to see your primary care provider before seeing any other health care provider.

      Prior authorization

      Prior authorization, sometimes called PA or pre-certification, is how the health plan company makes sure the treatment your doctor prescribes is medically necessary. Prior authorization may be required before you can receive some services, care, or prescription medications.

      Provider of Choice (POC)

      A health care professional you select to coordinate your health care. Your POC is responsible for providing or authorizing covered services while you are a plan member. Refer to Chapter 3 of your Evidence of Coverage for more information about POCs.

      Q

      R

      Referral

      Advance approval from a primary care provider for a patient to see a specialist.

      S

      Skilled nursing facility

      A facility that primarily provides inpatient skilled nursing care and related services to patients who require medical, nursing or rehabilitative services but does not provide the level of care or treatment available in a hospital.

      Specialist

      A doctor with specialized medical training in a specific area, such as behavioral health, dermatology, or endocrinology.

      T

      Telehealth (a.k.a. telemedicine, televideo, telecare)

      Telehealth care involves the use of a video and audio connection that enables a patient and provider to interact in real time, despite being in different locations. Telehealth visits are a good option for minor illnesses, follow-up visits, mental health and more. Cost varies by provider.

      U

      V

      Virtual care

      Any care that is not delivered in person by a medical professional. This includes e-visits and telehealth (a.k.a. telemedicine, televideo, telecare) via message, phone, or video. Cost varies by provider and plan.

      W

      X

      Y

      Z

      Need Additional Explanation?

      Call our Medicare Experts at 1-888-995-2583 (TTY: 711) from 8:00a.m. to 8:00p.m. ET, Monday through Friday, April 1 through September 30, or seven days a week, October 1 through March 31.

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        ACHTUNG: Wenn Sie Deutsche sprechen, steht Ihnen kostenlos fremdsprachliche Unterstützung zur Verfügung. Rufen Sie den Mitgliederdienst unter der Nummer auf Ihrer ID-Karte an Anrufen 1-800-472-2689 (TTY: 711).

        Lao/ພາສາລາວ

        ຂໍ້ຄວນໃສ່ໃຈ: ຖ້າເຈົ້າເວົ້າພາສາລາວໄດ້, ມີການບໍລິການຊ່ວຍເຫຼືອດ້ານພາສາໃຫ້ທ່ານໂດຍບໍ່ເສຍຄ່າ. ໂທ ຫາ ຝ່າຍບໍລິການສະ ມາ ຊິກທີ່ໝາຍເລກໂທລະສັບຢູ່ໃນບັດຂອງທ່ານ ໂທ 1-800-472-2689 (TTY: 711).

        Navajo/Diné Bizaad

        BAA !KOHWIINDZIN DOO&G&: Din4 k’ehj7 y1n7[t’i’go saad bee y1t’i’ 47 t’11j77k’e bee n7k1’a’doowo[go 47 n1’ahoot’i’. D77 bee an7tah7g7 ninaaltsoos bine’d44’ n0omba bik1’7g7ij8’ b44sh bee hod77lnih call 1-800-472-2689 (TTY: 711).

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        Blue Cross Blue Shield of Massachusetts is an HMO and PPO Plan with a Medicare contract. Enrollment in Blue Cross Blue Shield of Massachusetts depends on contract renewal. Anthem Insurance Companies, Inc., Blue Cross and Blue Shield of Massachusetts, Inc., Blue Cross & Blue Shield of Rhode Island, and Blue Cross and Blue Shield of Vermont are the legal entities that have contracted as a joint enterprise with the Centers for Medicare & Medicaid Services (CMS) and are the risk-bearing entities for Blue MedicareRx (PDP) plans. The joint enterprise is a Medicare-approved Part D Sponsor. Enrollment in Blue MedicareRx (PDP) depends on contract renewal. 

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        Y0014_24100_M_2025 | S2893_2432_2025 | Last Updated: 10/01/2024