Blue Advantage – Alabama Medicare Plan Options

Blue Advantage Alabama - Two ChoicesBlue Advantage Alabama PPO Plan options for 2014

Blue Cross Blue Shield of Alabama offers Medicare Advantage Plans, Medicare supplement policies and Medicare Part D.

The Alabama Medicare Advantage Plans are branded as Blue Advantage and are available as PPO plans providing both medical and prescription drug benefits.

The two popular plans available are Blue Advantage Complete (PPO) and Blue Advantage Premier (PPO). As the name implies the Blue Advantage Premier PPO offers richer benefits although at a much higher premium.

Medicare Advantage Plans are one way to receive your Medicare benefits. Private insurance companies, like Blue Cross Blue Shield of Alabama, are approved and contracted by The Centers for Medicare and Medicaid Services (CMS) to offer and administer your Medicare benefits.

Alabama Medicare Advantage Plans are offered on a County-by-County basis and may not be available in all Counties. Plan benefits and monthly premium amounts can also differ from one County to another.


Blue Advantage Complete vs Blue Advantage Premier

Here is a brief outline of benefits highlighting the differences between the two BCBS of Alabama plans for 2012.

Blue Advantage Complete (PPO)

Blue Advantage Premier (PPO)

These benefits represent Medicare covered services at in-network providers and facilities. Costs will generally be greater if services are received at non-network providers or facilities. When comparing Medicare Advantage plans you should always delve deeper into plan details by reviewing the plan’s Summary of Benefits or Evidence of Coverage.

Many Medicare Advantage Plans available in Alabama include some level of dental coverage. Blue Advantage Premier includes a $125 allowance for dental services but Blue Advantage Complete offers no dental coverage.

As with many Medicare Advantage Plans available in Alabama Blue Advantage Plans include many non-Medicare covered services. Both plans cover the following:


Comparing Medicare Advantage Plans

Whether you are considering a plan from BCBS of Alabama or another company you should take some time to research plan benefits and costs. Here are some things to consider before you enroll in a plan:

Once you find plans that meet your criteria you should compare the costs of use and monthly premiums between plans. Also consider checking the Medicare plan rating.

Both Blue Advantage Complete and Blue Advantage Premier are widely available across Alabama and it wouldn’t hurt to compare them to other Alabama Medicare Advantage Plans.

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Comments

does reg state Alabama medicare pay anything fot daily hodpital stays after blue advantage. this is leaving us wiyh aprox. $200.00 day to pay insurance.

Richard barber

also days 1-7 are they consecutive days? I stayed 5 days last week but have to go back for surgery and will be ther approx. 3 more days soon.

Richard, Blue Advantage is a Medicare Advantage plan, which means all your benefits are paid through the plan. $200 sounds like the per day copay, which will be your responsibility. Original Medicare will not pay any of that amount. If your return inpatient stay is related to the same issue as the first inpatient stay, you will likely only be subject to 7 days of copays. Call the BlueCross member services phone number on your card to learn more.

I have Parkinson’s. Have implants, no shaking, no related drugs at this time. Currently with AARP plan G & have Cigna drug using extra help.
Is there a plan r plans for me?
Thank u.

Hazel, I’m sorry I don’t completely understand your question. Regardless, it would be better asked of an insurance who is more familiar with the types of plans you may have available. Sorry I’m not much help on this one.

I would like more information on the Blue Advantage Premier for 2016. I am on medicare but need a secondary insurance to pick up and one that also had the drug plan. Is there a plan for me? I live in Tallapoosa County Alabama. Would also like info for my mom who lives in Randolph County Alabama. Thank you for any help!

Maria, Information on 2016 plans will not be released until October 1st. This is true for all Medicare Advantage plans as it is a CMS guideline. On or after October 1st you can do a search on the official medicare site or call PlanPrescriber at 888 310-0376 after October 15th to enroll.

I BELONG TO BLUE ADVANTAGE PPO. I AM INTERESTED IN THE PREMIER PLAN HOPING THAT YOU WILL COVER MY PAIN MEDICATIONS BETTER WITH THIS PLAN. WHO CAN I TALK TO ABOUT THE PLAN?
I NEED MY PAIN MEDS MORE THAN ANYTHING. I ONLY GET 1500 SOCIAL SECURITY, BUT $500 FOR ONE PAIN SCRIPT IS RIDICULOUS AS YOU ARE NOT PAYING NOW. I’M ABOUT TO CHANGE TO SOME OTHER INSURANCE COMPANY BUT I HAVE BEEN WITH BCBS FOR MANY YEARS WHILE WORKING.

My mother wants to enroll in the Blue Advantage because she is told that it pays for all levels of care for home care including custodial care. She needs someone to sit with her and prepare meals, help her with dressing, eating and bathing. I thought it would only pay for some skilled care but she states she is told that it will pay all of her home care needs?

Tammy, I believe someone has given your Mother incorrect information. Go to the Blue Cross website and search for the Summary of Benefits for Blue Advantage. Unless your Mother has a Special Enrollment Period she must enroll in an Advantage Plan no later than December 7th. You can go online and see all available plans to choose what’s right for your Mom.

why does Blue Advantage and Medicare not cover the shingles vaccine?
This disease usually hits older people when their immune system is weak.

Ann, The vaccine is normally covered under the Part D program. Copays will vary depending on the company.

It is not covered like other vaccines. Because I have not met a deductible it will cost me $300 to get the shingles vaccine.

What I don’t understand is they covered other vaccines such as flu, but they put the Shingles vaccine in a tier that cost. For me I am much more likely to get Shingles than flu. I haven’t had the flu since 1976 without the vaccine.

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