Healthy Blue Insurance Plans Explained
Healthy Blue insurance plans are available in all 50 states and Washington, D.C. You can get a quote, learn about your benefits, and sign up for coverage online at MyBlue; alternatively you may call customer service to speak with a representative and get answers to any queries you may have.
How is this plan different from other Medicaid and Medicare plans?
A health maintenance organization (HMO) requires you to use its network of doctors and hospitals. You may need a referral from your primary doctor in order to see a specialist, as out-of-network benefits are usually very limited. If you want to go outside this network, however, the cost is usually greater than your copayment amount if any.
How much will I have to pay in premiums, deductibles, and copayments?
A deductible is an amount you must pay for covered medical services before your health plan kicks in. The lower your deductible, the fewer premiums you'll have to pay. On the other hand, a higher deductible means paying more out-of-pocket and less frequent doctor visits since more visits will be necessary to meet it before reimbursement from your health plan kicks in.
Do you have a health condition?
If so, such as diabetes, heart disease, lung disease, or cancer, Medicare Advantage health plans can help with healthcare costs. These plans combine your Parts A and B health insurance with additional benefits like prescription drug coverage, and dental and vision coverage.
What is a plan's rating?
A plan's rating is determined by several factors, including how well it manages its risk and how the company handles claims. You can find out a plan's rating by comparing it with others in your area using Medicare's plan-finding tool.
You can reach out to Medicare's customer service line or visit the Medicare website for further details about your plan. Additionally, there is a list of top providers in your area on the site.
How can I determine the right plan for me?
Enrolling in a Medicare Advantage plan gives you more information about your options, and the Medicare Annual Enrollment Period (AEP) begins October 15, 2021, and runs until December 7, 2021. Plus, contact the marketplace to see if you qualify for lower monthly premiums or cost-sharing assistance by reaching out.
What are the requirements to join a Medicare Advantage plan?
In order to enroll in one, you must have both Medicare Parts A and B, be enrolled in either an independent Medicare Prescription Drug plan (MAPD), or be part of an Advantage Plan with drug coverage. The cost of a Medicare Advantage plan varies based on what type you select and its features.
Does the plan provide an appeals process?
Medicare plans must offer you a means for making complaints about your plan and for them to make timely decisions regarding any appeals you make.
