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Medicare Plan Finder

We want to answer all of your Medicare needs. And that starts with a clear understanding of you and your life. Please take a moment to answer a few simple questions.

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Are you currently eligible for Medicare?

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I prefer to pay:

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I need coverage

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I want Medicare coverage that includes these benefits

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We can only recommend a Medicare plan if you are eligible for our Medicare plans.

You should be eligible for Medicare at the age of 65 if:

  1. You are a U.S. citizen or legal resident
  2. You have resided in the United States for a minimum of 5 years
  3. You have worked at least 10 years in Medicare-covered employment
  4. You live in the Blue KC service area, which includes 32 counties in Kansas and Missouri

Based on your selections, we recommend...

Blue Medicare advantage

Access (PPO)

Advantages Include

  • $49 premium
  • Access to a nationwide network of doctors and hospitals
  • Medicare Part D prescription drug coverage
  • Large network of doctors and hospitals in Kansas City’s nine-county service area
  • Routine hearing exams and hearing aid coverage
  • SilverSneakers® fitness membership at no additional cost
  • 24-hour Nurseline
  • Member Rewards program
  • Preventive dental visits
  • Worldwide emergency room and urgent care coverage
  • $0 deductibles for Medicare Part A and Part B

Call to learn more about this plan.

Call 1-855-208-8246 (TTY: 711) 8 a.m. to 8 p.m., 7 days a week

Based on your selections, we recommend...

Blue Medicare advantage

Essential (PPO)

Advantages Include

  • $15 premium
  • Access to a nationwide network of doctors and hospitals
  • Medicare Part D prescription drug coverage
  • Large network of doctors and hospitals in Kansas City’s nine-county service area
  • Routine hearing exams and hearing aid coverage
  • SilverSneakers® fitness membership at no additional cost
  • 24-hour Nurseline
  • Member Rewards program
  • Preventive dental visits
  • Worldwide emergency room and urgent care coverage
  • $0 deductibles for Medicare Part A and Part B

Call to learn more about this plan.

Call 1-855-208-8246 (TTY: 711) 8 a.m. to 8 p.m., 7 days a week

Based on your selections, we recommend...

Blue Medicare advantage

Complete (HMO)

Advantages Include

  • $0 premium plan
  • Large network of doctors and hospitals in Kansas City’s nine-county service area
  • All Original Medicare coverage (Part A and Part B) plus prescription drug coverage (Part D)
  • Routine hearing exams and hearing aid coverage
  • SilverSneakers® fitness membership at no additional cost
  • 24-hour Nurseline
  • Member Rewards program
  • Worldwide emergency room and urgent care coverage
  • $0 deductibles for Medicare Part A and Part B

Call to learn more about this plan.

Call 1-855-208-8246 (TTY: 711) 8 a.m. to 8 p.m., 7 days a week

Based on your selections, we recommend...

Blue Medicare advantage

Plus (HMO)

Advantages Include

  • $29 premium
  • Large network of doctors and hospitals in Kansas City’s nine-county service area
  • All Original Medicare coverage (Part A and Part B) plus prescription drug coverage (Part D)
  • Preventive dental visits
  • Routine eye exams, eyewear and contacts
  • Routine hearing exams and hearing aid coverage
  • SilverSneakers® fitness membership at no additional cost
  • 24-hour Nurseline
  • Member Rewards program
  • Worldwide emergency room and urgent care coverage
  • $0 deductibles for Medicare Part A and Part B

Call to learn more about this plan.

Call 1-855-208-8246 (TTY: 711) 8 a.m. to 8 p.m., 7 days a week

Based on your selections, we recommend...

Blue Medicare advantage

Medicare Supplement (MEDIGAP)

Medicare Supplement (Medigap) insurance can help pay some of the healthcare costs that Original Medicare doesn't cover, like copayments, coinsurance and deductibles. Benefits may vary depending on whether you live in Kansas or Missouri.

Advantages Include

  • Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
  • Medical expenses: Part B coinsurance (generally 20% of Medicare-approved expenses) or copayments for hospital outpatient services. Certain plans require you to pay a portion of Part B coinsurance or copayments.
  • Foreign travel: Emergency care services needed for trips outside the U.S.
  • Hospice: Part A coinsurance

Call to learn more about this plan.

Call 1-855-208-8246 (TTY: 711) 8 a.m. to 8 p.m., 7 days a week

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**Providing contact information authorizes a licensed Blue KC representative to contact you.

Know Your Medicare Advantage Options.

Blue Medicare Advantage plans conveniently combine hospital, medical, prescription drug coverage, plus extra benefits, all-in-one plan. We offer two HMO plan options and two PPO plan options.

Complete Medicare Advantage Plan

Blue Medicare Advantage Complete (HMO)

An HMO plan with hospital, medical and prescription drug coverage, a $0 monthly premium and no deductibles

view plan details
Plus Medicare Advantage Plan

Blue Medicare Advantage Plus (HMO)

An HMO plan with hospital, medical and prescription drug coverage and a lower Maximum Out-of-Pocket limit

view plan details
Essential Medicare Advantage Plan

Blue Medicare Advantage Essential (PPO)

A $15 PPO plan that includes a national network of doctors and hospitals, in addition to prescription drug coverage and valuable extra benefits

view plan details
Access Medicare Advantage Plan

Blue Medicare Advantage Access (PPO)

A PPO plan that offers flexibility to access providers that are in the network and out of network as long as they accept Medicare

view plan details

Benefits Comparison Chart

Medical & Hospital Benefits

Blue Medicare
Advantage Complete (HMO)

Monthly Premium

$0 per month

Maximum Out-of-Pocket Limit*

$6,700 per year

Primary Care Provider Visits

$7 copay

Specialists Visits

$45 copay

Podiatrist Visits

$45 copay

Lab Services

$0 copay

Inpatient Hospital Care

$335 copay per day for days 1-5, $0 copay per day for days 6-90, $0 copay for additional days

Outpatient Hospital Services
(Hospital Surgery)

$325 copay

Urgent Care**

$50 copay

Emergency Care**

$90 copay

Ambulance (Ground & Air)

$290 copay

Blue Medicare
Advantage Plus (HMO)

Monthly Premium

$29 per month

Maximum Out-of-Pocket Limit*

$4,400 per year

Primary Care Provider Visits

$0 copay

Specialists Visits

$35 copay

Podiatrist Visits

$40 copay

Lab Services

$0 copay

Inpatient Hospital Care

$285 copay per day for days 1-6, $0 copay per day for days 7-90, $0 copay for additional days

Outpatient Hospital Services
(Hospital Surgery)

$275 copay

Urgent Care**

$40 copay

Emergency Care**

$90 copay

Ambulance (Ground & Air)

$290 copay

Blue Medicare
Advantage Essential (PPO)

Monthly Premium

$15 per month

Maximum Out-of-Pocket Limit*

In Network

$6,700 per month

Combined

$10,000 per month

Primary Care Provider Visits

In Network

$7 copay

Out of Network

35% coinsurance

Specialists Visits

In Network

$50 per month

Out of Network

35% coinsurance

Podiatrist Visits

In Network

$50 copay

Out of Network

35% coinsurance

Lab Services

In Network

$0 copay

Out of Network

35% coinsurance

Inpatient Hospital Care

In Network

$360 copay per day for days 1-5, $0 copay per day for days 6-90 $0 copay for additional days.

Out of Network

35% coinsurance

Outpatient Hospital Services
(Hospital Surgery)

In Network

$350 copay

Out of Network

35% coinsurance

Urgent Care**

In Network

$50 copay

Out of Network

$50 copay

Emergency Care**

In Network

$90 copay

Out of Network

$90 copay

Ambulance (Ground & Air)

In Network

$290 copay

Out of Network

$290 copay

Blue Medicare
Advantage Access (PPO)

Monthly Premium

$49 per month

Maximum Out-of-Pocket Limit*

In Network

$5,500 per month

Combined

$10,000 per month

Primary Care Provider Visits

In Network

$35 copay

Out of Network

20% coinsurance

Specialists Visits

In Network

$35 per month

Out of Network

20% coinsurance

Podiatrist Visits

In Network

$40 copay

Out of Network

20% coinsurance

Lab Services

In Network

$0 copay

Out of Network

20% coinsurance

Inpatient Hospital Care

In Network

$285 copay per day for days 1-6, $0 copay per day for days 7-90, $0 copay for additional days

Out of Network

20% coinsurance

Outpatient Hospital Services
(Hospital Surgery)

In Network

$275 copay

Out of Network

20% coinsurance

Urgent Care**

In Network

$40 copay

Out of Network

$40 copay

Emergency Care**

In Network

$90 copay

Out of Network

$90 copay

Ambulance (Ground & Air)

In Network

$290 copay

Out of Network

$290 copay

* Maximum out-of-pocket limit means you will never pay more than the above dollar amount per year for your Medicare-covered medical expenses, even if you have an unexpected illness or injury. If you reach this limit, you will no longer have to pay any copays or coinsurance.

** Blue Medicare Advantage provides worldwide emergency room and urgent care coverage.

Benefits Comparison Chart

Prescription Drug Benefits

Blue Medicare Advantage includes Part D prescription drug coverage, so you do not need to purchase a separate plan. Without this benefit, you could end up paying all of your prescription drug costs.

Blue Medicare
Advantage Complete (HMO)

Deductible

Network Pharmacies

$0

Preferred Generics

Network Pharmacies

$3 copay

Generics

Network Pharmacies

$20 copay

Preferred Brands

Network Pharmacies

$47 copay

Non-Preferred Brands

Network Pharmacies

$100 copay

Specialty Medications

Network Pharmacies

33% of the cost

Blue Medicare
Advantage Plus (HMO)

Deductible

Network Pharmacies

$0

Preferred Generics

Network Pharmacies

$3 copay

Generics

Network Pharmacies

$12 copay

Preferred Brands

Network Pharmacies

$47 copay

Non-Preferred Brands

Network Pharmacies

$100 copay

Specialty Medications

Network Pharmacies

33% of the cost

Blue Medicare
Advantage Essential (PPO)

Deductible

Network Pharmacies

$0

Preferred Generics

Network Pharmacies

$3 copay

Generics

Network Pharmacies

$15 copay

Preferred Brands

Network Pharmacies

$47 copay

Non-Preferred Brands

Network Pharmacies

$100 copay

Specialty Medications

Network Pharmacies

33% of the cost

Blue Medicare
Advantage Access (PPO)

Deductible

Network Pharmacies

$0

Preferred Generics

Network Pharmacies

$3 copay

Generics

Network Pharmacies

$12 copay

Preferred Brands

Network Pharmacies

$47 copay

Non-Preferred Brands

Network Pharmacies

$100 copay

Specialty Medications

Network Pharmacies

33% of the cost

We offer a mail order prescription drug benefit with a $0 copay for all Generics (Tier 1 and Tier 2) at retail or mail order.

Benefits Comparison Chart

Valuable Extra Benefits

Blue Medicare
Advantage Complete (HMO)

SilverSneakers

Included at no additional cost

24-Hour Nurseline

Included at no additional cost

Vision

Routine Eye Exams

Eyeglass Lenses

Eyeglass Frames or Contact Lenses

$10 copay/one per year

Not Covered

Not Covered

Hearing

Routine Hearing Exams

Hearing Aids

$45 copay

$699-$999 copay 2 aids/year

Dental

Preventive Visits

Not covered

Blue Medicare
Advantage Plus (HMO)

SilverSneakers

Included at no additional cost

24-Hour Nurseline

Included at no additional cost

Vision

Routine Eye Exams

Eyeglass Lenses

Eyeglass Frames or Contact Lenses

$10 copay/one per year

$20-$85 copay

$75 allowance per year for eyeglass frames or contact lenses

Hearing

Routine Hearing Exams

Hearing Aids

$40 copay

$399-$699 copy per aid

Dental

Preventive Visits

$40 copay

Blue Medicare
Advantage Essential (PPO)

SilverSneakers

Included at no additional cost

24-Hour Nurseline

Included at no additional cost

Vision

Routine Eye Exams

Eyeglass Lenses

Eyeglass Frames or Contact Lenses

In network

1/year, $10 copay

Out of Network

1/year, 50% coinsurance


Not covered


Not covered

Hearing

Routine Hearing Exams

Hearing Aids

In network

1/year, $49 copay

Out of Network

1/year, $45 copay


In network

$699-$999 copay per aid

Out of Network

$699-$999 copay per aid

Dental

Preventive Visits

Not covered

Blue Medicare
Advantage Access (PPO)

SilverSneakers

Included at no additional cost

Vision

Routine Eye Exams

Eyeglass Lenses

Eyeglass Frames or Contact Lenses

In network

$10 copay/one per year

Out of Network

50% coinsurance/one per year


In network

1/year, $75 allowance eyeglass frames or contact lenses

Out of Network

1/year, $75 allowance eyeglass frames or contact lenses


In network

$20-$85 copay

Out of Network

50% coinsurance

Hearing

Routine Hearing Exams

Hearing Aids

$40 copay/one per year

$40 copay/one per year

Dental

Preventive Visits

$40 copay

This information is not a complete description of benefits. Contact the plan for more information. You may also see our Summary of Benefits for more information. Benefits, premium and/or copayments/coinsurance may change on January 1 of each year. The Formulary, pharmacy network and/or provider network may change at any time. You will receive notice when necessary. All Blue Medicare Advantage individual plans include Part D drug coverage. For HMO plan, members must use plan providers except in emergency or urgent care situations. If a member obtains routine care from an out-of-network provider without prior approval from Blue KC, neither Medicare nor Blue KC will be responsible for the costs. For PPO plan members, Blue Medicare Advantage (PPO) members are encouraged to use in-network plan providers. Out-of-network/non-contracted providers are under no obligation to treat members, except in emergency situations. For a decision about whether Blue KC will cover an out-of-network service, we encourage you or your provider to ask Blue KC for a pre-service organization determination before the service is received. Please call Blue Medicare Advantage Customer Service or refer to the Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services. Limitations, copayments, and restrictions may apply. Part D drug expenses are not covered under the maximum out-of-pocket limit. Our eyewear benefit is limited to one pair of eyeglass lenses and frames per year.

Anyone with Medicare Parts A and B living in the Missouri counties of Cass, Clay, Clinton, Jackson, Lafayette, Platte and Ray, or in the Kansas counties of Johnson and Wyandotte may apply to join Blue Medicare Advantage. Please note that enrollment may be limited to specific times of the year.

Medicare Coverage you can count on.

We’ve put our years of local knowledge to work building affordable, high-quality Medicare plans that meet the needs of our community across 32 counties.

  • Blue Medicare Advantage & Medicare Supplement

  • Medicare Supplement Only

  • Kansas City

Key Enrollment Dates

Initial Coverage Enrollment Period (IEP)

For those turning 65 (and therefore becoming eligible for Medicare for the first time), you may enroll from three months before to three months after you become eligible for Medicare.

Special Enrollment Period (SEP)

You may be able to enroll at a different time of the year. To learn more about special enrollment periods, visit http://www.medicare.gov.

Annual Enrollment Period (AEP)

From October 15 to December 7, you can switch to, drop, or join a different Medicare plan.

Open Enrollment Period

During Open Enrollment, Medicare beneficiaries are allowed to make “Like plan” changes from January 1 to March 31. Medicare beneficiaries can disenroll from their current plan and select a new plan with their existing carrier of competitor.

Ready to Enroll?

The right Medicare Advantage plan is right around the corner. And we’ll make it easy for you to sign up.

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