Blue Medicare SupplementSM    For beneficiaries enrolled in Medicare Part B

Authorized Agent

ü Choose the plan that’s right for you
ü See the doctor you want
ü Value-added discounts
ü Control of your care
ü Savings and peace of mind

Medicare only covers a portion of your medical costs. Blue Cross and Blue Shield of North Carolina® offers dependable Medicare supplemental plans for people age 65 and older, so you can stop worrying about the costs that Medicare doesn’t cover. BCBSNC offers nine Blue Medicare Supplement^SM plans so you can choose one that best fits your needs and your budget.

• Wide selection of plans
• Protection against unexpected events

A local company you can trust

BCBSNC is North Carolina’s largest Medicare supplemental insurer¹ , is the only Medicare supplemental insurer based right here in North Carolina, and has more than 70 years of experience in the health care industry.

• North Carolina’s largest Medicare supplemental insurer
• Coverage from the #1 health care brand in America²

See the doctor YOU want

Whichever Blue Medicare Supplement^SM plan you choose, you can select you own doctor and visit any Medicare-participating hospital. In most cases, your Part A and Part B Medicare claims and supplemental claims will be handled automatically by Blue Cross and Blue Shield of North Carolina®. It’s that easy.

• Choice of doctors
• Easy to use, no claims to file

Value-added discounts

In addition, you’ll have access to Blue Values^SM, the BCBSNC family of value-added programs³ at no extra cost. You’ll be eligible for discounts of up to 60% on health related products and services, such as eyeglasses, hearing aids, and more. You can also earn prizes for being physically active.

• Discounts on eyeglasses, hearing aids and more!
• Exclusive to BCBSNC members

Incentives for early enrollment
Lock in your entry age

There are huge advantages to enrolling in Blue Medicare Supplement^SM coverage within the first six months of enrolling in Medicare Part B. When you enroll, you lock in your entry age forever. Rate adjustments will be made only due to medical inflation or claims experience.⁴ So, if you enroll when you’re 65, you’ll always pay the rate of a 65-year old, even when you’re 80!

• Lock in your entry age
• Predictable costs

No waiting periods

If you enroll early you may be eligible for this plan without medical underwriting and waiting periods for pre-existing conditions. Pre-existing conditions are conditions for which medical advice was given or treatment was recommended by or received from a physician within six-months before the effective date of coverage. If you wait until after the deadline to enroll, you may have a waiting period for pre-existing conditions.

• No medical underwriting
• No waiting periods for pre-existing conditions

Guaranteed acceptance by enrolling early

You cannot be turned down for Blue Medicare Supplement^SM with BCBSNC if you meet all of the following:

• You are age 65 or older or under age 65 and are eligible for Medicare by reason of disability (Plans A, C, and J)
• You enroll within 6 months of enrolling in Medicare Part B
• You are not covered by certain Medicaid programs
• You are a resident of North Carolina

¹ Based on 2006 NC Department of Insurance rate filings for leading competitors.
² Brand Strength Measure Survey, Synovate, Inc. [2004-2006]; Harris Interactive® Brand and Reputation Practice—EquiTrend® Brand Study, Spring 2004, "Financial Services/Insurance Brands," Table 4:www.harrisinteractive.com/news/allnewsbydate.asp?NewsID=818.
³ The Blue Values program may change or be discontinued at any time. BCBSNC does not profit from this program.  BCBSNC provides this program for your convenience and is not liable in any way for the goods and services received.  These programs are not part of your policy or benefits, but are value-added discounts available for your use.
⁴ Rates are subject to change but you alone will not be singled out for premium increases based on your health or age. Any change in your rate will be preceded by a 30-day notice and is guaranteed for 12 months. When you enroll you will lock in your entry age as long as you stay in the Blue Medicare Supplement^SM plan that you chose.

®, SM Mark of the Blue Cross and Blue Shield Association            Download the Blue Medicare Supplement^SM Coverage Brochure(pdf)

“Working together for your best interest”.
Morrow Insurance Agency, Inc.
800 Beverly Hanks Centre
Hendersonville, NC   28792
828-694-5182
800-228-3132
fax:  828-693-5567

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Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association^®.
Blue Cross and Blue Shield of North Carolina products can be only sold to those residing in North Carolina.
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