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Picture 3. Graphic 31. Picture 34. Y0096_MAPDSALPRE_M.

Picture 8. Picture 24. At Blue Cross and Blue Shield of Illinois, we’re helping you get the most out of your health plan with affordable, quality coverage and a strong doctor network..

Picture 24. Licensed to sell health insurance in Illinois Certified to sell Medicare Advantage and Prescription Drug Plan products for Blue Cross and Blue Shield of Illinois (BCBSIL) May be compensated based upon your enrollment in a plan.

Picture 4. . Here’s how our plans put you first. Dedicated support service in person and over the phone Extensive provider and pharmacy network Excellent benefits Comprehensive coverage Leading local choice for health coverage.

Here’s how we help keep you healthy. 5. 24/7 NURSELINE.

Graphic 12. Medicare Basics.

. Are you eligible for Medicare?. Age 65 or older Under 65 with certain disabilities Any age with End-Stage Renal Disease (ESRD — permanent kidney failure requiring dialysis or kidney transplant) Diagnosed with ALS (Lou Gehrig’s disease).

The ABCs of Medicare. Picture 24.

PART. A. Picture 16. HELPS COVER Inpatient care in hospitals Skilled nursing facility care Hospice care Home health care While most Americans are enrolled automatically in Medicare Part A, it alone may not cover all health care costs. Parts B, C, and D are voluntary programs that provide additional coverage..

HELPS COVER Services from doctors and other health care providers Outpatient care Durable medical equipment ( such as wheelchairs, walkers, hospital beds, and other equipment and supplies) Many preventive services ( such as screenings, shots, and yearly wellness visits) If you don’t enroll in Part B when you are first eligible for Medicare, you may have to pay a penalty later..

Refers to the Medicare Advantage program, where members can enroll in a private health plan. Part C is an alternative to Original Medicare (Parts A+B) and may or may not cover prescription drugs ..

Covers outpatient prescription drugs through private plans that contract with Medicare. If you don’t enroll in Part D when you are first eligible for Medicare, you may have to pay a penalty later ..

. A Medicare Advantage Plan, sometimes called Part C or MA plan, is an “all-in-one” alternative to Original Medicare (Parts A+B). Medicare Advantage Plans are offered by private companies and are approved by Medicare ..

. MEDICARE ADVANTAGE PLANS BUNDL E TOGETHER. Medicare Advantage Plans are not Medicare Supplement Insurance Plans; they are different from Medicare Supplement Insurance. You cannot have a Medicare Advantage Plan and a Medicare Supplement Insurance Plan at the same time..

. When you join a Medicare Advantage plan, it’s important to remember that you are still in the Medicare program and that your plan: Must follow Medicare’s rules and notify you of any changes before the start of the next annual enrollment period Will pay for your Medicare-eligible services Must offer the same benefits as Original Medicare (Parts A+B), plus other benefits and services that usually have different rules, costs, and restrictions When you go to the doctor, you will show your plan’s Medicare Advantage card, not your Medicare card.

Graphic 12. Blue Cross and Blue Shield of Illinois Medicare Advantage Plans.

Picture 6. . 17. A Plan with Advantages for You. HMO, HMO-POS and PPO plan options that include extra benefits Up to a $100 gift card yearly for completing Healthy Actions $0 to low copay for primary care provider (PCP) visits in network Ability to add dental, vision and hearing coverage for a low monthly cost Transportation Up to 12 one-way trips every year to plan-approved locations on Blue Cross Medicare Advantage Premier Plus (HMO-POS), Blue Medicare Advocate Health (HMO) and Blue Cross Medicare Advantage Choice Premier (PPO) SM Plans. Up to 24 trips on Blue Cross Medicare Advantage Basic Plus (HMO-POS) Plan..

Picture 7. . Low copays A network of nationwide pharmacies All Medicare Advantage plans include Tier 1 coverage in the gap Low copay for 30-day supply Tier 1 drugs at our preferred network pharmacies.

. Benefits that put you first. 19. ADDITIONAL BENEFITS THAT MAY BE PART OF YOUR PLAN INCLUDE.

. 20. $5 copay for routine hearing exams $1,000 annual max. on hearing aids every 3 years.

Plan Extras. Graphic 12.

Picture 6. . 22. Preventive Care and Additional Services $0 to low copay for annual physical exam (in network) or 0% coinsurance for PPO Flex Plan $90 to $120 copay for emergency care or 0% coinsurance for PPO Flex Plan Travel benefits: Available for members who are out of the service area for up to 6 months.

Picture 7. . B uilt-in Prescription Drug Coverage What counts toward your initial coverage limit? $4, 430 initial coverage limit $0 to $480 deductible Copayments/coinsurance What your plan pays for your drugs.

Picture 7. . Built-in Prescription Drug Coverage Coverage Gap: $4, 430 to $ 7 , 0 50 Coverage gap is reached after $4 ,43 0 in drug costs All MAPD plans include Tier 1 coverage in coverage gap until $ 7 , 0 50 in True-Out-of-Pocket (TrOOP) drug costs.

Picture 6. . Built-in Prescription Drug Coverage Catastrophic Coverage: $ 7 , 0 50 Medicare pays 95% after your approved Out-of-Pocket (TrOOP) max. of $ 7 , 0 50 You pay the greater of: 5% of the cost or $3. 95 copay for generics (and brand drugs treated as generics) or $ 9.85 copay for all other drugs.

Ready to Enroll?. Picture 24.

Picture 8. . Have Medicare Part A and Part B coverage (e nrolled in Part B and continue to pay your Part B premium ) Live in the service area of the plan you want to join.

Initial Enrollment Period (IEP). IEP. Picture 9. 28.

October 15 – December 7 Enroll for the first time or switch plans Effective date: January 1.

Change in life status Effective date: usually the first day of the month following enrollment.

Picture 4. . Review provider directory and make sure the doctor(s) you see are in our network Review pharmacy directory and make sure the pharmacy you use is in our network Review Summary of Benefits Talk to a licensed authorized insurance agent.

(5. . January 1 to March 31 If you would like to change your Medicare Advantage plan coverage after the AEP, you may choose to switch to Original Medicare (Part s A+B) and purchase a stand-alone Part D plan (PDP). During Open Enrollment, you may also choose to switch to: A different Medicare Advantage Prescription Drug Plan A different Medicare Advantage-only plan.

Picture 24. Tools to Help You.

Picture 4. . 34. Tools to help you. Blue Access for Members SM Online wellness tools and resources Can access via a mobile app Medical and pharmacy claims information Network providers and pharmacy search Education Connect member email newsletter Seminars www.BCBSIL.com/medicare/seminars Health fairs Community events.

Graphic 21. Help is always available.. www.medicare.gov.

36. Picture 2. Graphic 10. Get a complete guide with detailed information today..

This information is not a complete description of benefits. Call 1-8 88-300-7074 /TTY 711 for more information. Out-of-network/non-contracted providers are under no obligation to treat Blue Cross Medicare Advantage members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services..

HMO, HMO-POS and PPO plans provided by Blue Cross and Blue Shield of Illinois, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company (HCSC). HMO plan provided by Illinois Blue Cross Blue Shield Insurance Company (ILBCBSIC). HCSC and ILBCBSIC are Independent Licensees of the Blue Cross and Blue Shield Association. HCSC and ILBCBSIC are Medicare Advantage organizations with a Medicare contract. Enrollment in HCSC's and ILBCBSIC’s plans depends on contract renewal..

Additional Information. Blue Cross and Blue Shield of Illinois complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. Blue Cross and Blue Shield of Illinois does not exclude people or treat them differently because of race, color, national origin, age, disability, or sex..

Additional Information. If you believe that Blue Cross and Blue Shield of Illinois has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability, or sex, you can file a grievance with: Civil Rights Coordinator, Office of Civil Rights Coordinator, 300 E. Randolph St., 35th floor, Chicago, Illinois 60601, 1-855-664-7270, TTY/TDD: 1-855-661-6965, Fax: 1-855-661-6960, Civilrightscoordinator@hcsc.net . You can file a grievance in person or by mail, fax, or email. If you need help filing a grievance, Civil Rights Coordinator is available to help you. You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, electronically through the Office for Civil Rights Complaint Portal, available at https://ocrportal.hhs.gov/ocr/portal/lobby.jsf, or by mail or phone..

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Picture 18. Graphic 23. Picture 34. Questions & Discussion.