Blue Medicare SupplementSM

For North Carolina beneficiaries enrolled in Medicare Part B

• Choose the plan that's right for you

• See the doctor you want

• Value-added discounts

• Control of your care

Savings and peace of mind

Medicare only covers some of your medical costs. That's why Blue Cross and Blue Shield of North Carolina (BCBSNC) offers dependable Medicare supplement plans for Medicare beneficiaries, to help lessen the worries over costs that Medicare doesn't cover. Choose from our 11¹ Blue Medicare Supplement^SM plans to find the plan that best fits your needs and your budget.

• Wide selection of plans
• Protection against unexpected events

A local company you can trust

With the largest market share² of Medicare supplement policyholders in the state, BCBSNC serves more than 125,000³ North Carolina Medicare beneficiaries with over 75 years of experience in the health care industry.

• Largest market share of Medicare supplement policyholders in the state²
• One of the most trusted Medicare supplement plans in the state

See the doctor you want

No matter which Blue Medicare Supplement^SM plan you choose, you're free to select your own Medicare-participating doctor or visit any Medicare-participating hospital. And in most cases, your Part A and Part B Medicare claims and supplement claims are handled automatically by BCBSNC.

• Choice of Medicare-participating doctors
• Easy to use, virtually no claims to file

Value-added discounts

You'll also have access to Blue Values^SM, our value-added discount programs available to you at no extra cost.⁴ You'll be eligible for discounts on health-related products and services, such as eyeglasses, hearing aids and more.

• Discounts on eyeglasses, hearing aids and more!
• Discount programs exclusive to BCBSNC members

Advantages for early enrollment

Lock in your entry age on most of our plans⁵. There are many advantages to enrolling in Blue Medicare Supplement^SM coverage within the first six months of enrolling in Medicare Part B. With entry-age plans, when you enroll, you lock in your entry age forever. Rate increases on our entry-age plans are only due to medical inflation or overall claims experience.⁵ 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 age⁵
• Convenient costs

No waiting periods

If you enroll early, you may be eligible for this plan without 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 waiting periods for pre-existing conditions

Guaranteed acceptance by enrolling early

You cannot be turned down for Blue Medicare Supplement^SM and may not have to complete a medical questionnaire if you meet the following:

• You are age 65 or older, or under age 65 and are eligible for Medicare by reason of disability (Plans A and C, ⁶ )
• 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

BCBSNC Blue Medicare Supplement^SM Information

Compare Plan Benefits
Get a free rate quote
View the Blue Medicare Supplement^SM Outline of Coverage brochure

For more information about Blue Medicare Supplement^SM plans, including a free rate quote, call Authorized Agent Della Rogers at 800-228-3132, x182 or e-mail Della Rogers by completing the following information form.

For costs and further details of the coverage, including exclusions, any reductions or limitations and terms under which the policy may be continued in force, contact your agent or the company.

¹Plan A: BMS A, 12/09, Plan B: BMS B, 12/09, Plan C: BMS C, 12/09, Plan D: BMS D, 12/09, Plan F: BMS F, 12/09, HI DED Plan F: BMS HDF, 12/09, Plan G: BMS G, 12/09, Plan K: BMS K, 12/09, Plan L: BMS L, 12/09, Plan M: BMS M, 12/09, Plan N: BMS N, 12/09
²Based on “2008 Medicare Supplement Insurance Experience Exhibits", published in 2009 by the National Association of Insurance Commissioners (NAIC), as supplied by Mark Farrah Associates
³Based on Blue Cross and Blue Shield of North Carolina (BCBSNC) enrollment data, 2010.
⁴Blue Values programs may change or be discontinued at any time. Blue Cross and Blue Shield of North Carolina (BCBSNC) provides these programs for member convenience and is not liable in any way for the goods and services received. These programs are not part of a member's policy or benefits, but are value-added discounts available for their use. BCBSNC does not profit from the Blue Values programs.
⁵With entry-age plans, when members enroll, they will lock in their entry age forever as long as they stay in the Blue Medicare Supplement plan in which they initially enrolled. We also offer attained age plans that feature lower initial rates than the initial rate of entry age plans, but these rates increase with age, due to age. Compare attained age and entry age plans to see which plans offer the best cost for you. For both the entry age and the attained age plans, rates are subject to change June 1st of each year and are guaranteed for 12 months. Any change in your rate will be preceded by a 30-day notice.
⁶Guaranteed acceptance is limited to (Plans A and C) for those under age 65 who have Medicare due to disability.

Morrow Insurance Agency, Inc.
800 Beverly Hanks Centre
Hendersonville, NC   28792
828-694-5182
800-228-3132
cell:  828-707-8751
 fax:  828-693-5567
 

Della Rogers is an independent authorized Agent licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (BCBSNC). The content contained in this site is maintained by Morrow Insurance Agency. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. ®, SM Marks of the Blue Cross and Blue Shield Association. SM1 Mark of Blue Cross and Blue Shield of North Carolina.

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