by Russell Noga | Updated November 9th, 2023
Choosing the right Medicare Supplement Plan is crucial in ensuring that you receive the healthcare coverage you need without breaking the bank. With a myriad of options available, it can be overwhelming to navigate the Medicare landscape.
However, Blue Shield of California offers the “Blue Shield of California Medicare Plan N”, a supplement plan with unique features and benefits that may be the perfect solution for you.
In this article, you’ll learn about Blue Shield of California Medicare Plan N’s coverage, enrollment process, cost-saving opportunities, and how to easily transition to this plan should you decide it’s the right fit for you.
Short Summary
- Blue Shield of California Medicare Plan N provides comprehensive healthcare coverage at a lower premium.
- Eligibility criteria include having Parts A and B, residing in the service area, and enrolling during Open or Special Enrollment Periods.
- Additional benefits include access to providers, cost savings opportunities (up to $350/month), an easy switching process from other plans, and upgrading the current Blue Shield plan.
Understanding Medicare Plan N with Blue Shield of California
Blue Shield of California’s Medicare Plan N offers the following benefits:
- Extra coverage for copayments, coinsurance, and deductibles
- Coverage for vision
- Coverage for hearing aids
- Coverage for fitness and wellness programs
These benefits ensure a comprehensive healthcare experience for Plan N enrollees.
As a physician’s service dba Blue Shield, you can confidently enroll in this California physician’s service dba Blue plan, knowing that you’re backed by a reputable and reliable organization.
Key features of Medicare Plan N
Medicare Plan N provides coverage for a variety of expenses, including:
- The Medicare Part A deductible
- Coinsurance for Parts A and B
- Three pints of blood
- 80% coverage of medical costs
The distinguishing features of Plan N, compared to other supplement plans, include its coverage for:
- The Medicare Part A deductible
- Coinsurance for Parts A and B
- Three pints of blood
- 80% coverage of medical expenses.
How Plan N differs from other Blue Shield Medicare Supplement Plans
When considering Medicare Supplement Plans, it’s essential to understand the differences between Plan N and other Blue Shield Medicare Supplement Plans.
One key distinction is cost, as Plan N typically has lower premiums compared to other plans like Plan G or Plan F.
However, Plan N may require you to pay certain out-of-pocket costs, including copayments for doctor visits and emergency room visits, regardless of your sexual orientation, age, or physical or mental disabilities.
To ensure you make the best decision for your healthcare needs, it’s crucial to assess each plan’s details and benefits while taking into account any potentially discriminatory practices.
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Enrolling in Medicare Plan N with Blue Shield
Now that you have an understanding of Medicare Plan N with Blue Shield, let’s dive into the enrollment process.
To be eligible for Medicare Plan N, you must have Medicare Parts A and B and reside within the plan’s service area. Additionally, beneficiaries enrolled in Plan N must meet the Medicare Part B deductible.
Enrolling during your Initial Enrollment Period (IEP) or Annual Enrollment Period (AEP) is recommended to ensure timely coverage, regardless of your age or physical disabilities.
Eligibility criteria for Medicare Plan N
To be eligible for Medicare Plan N, you must have Medicare Parts A and B and reside within the plan’s service area. The initial eligibility window for Medicare commences three months prior to the month of your 65th birthday and extends three months after your birthday month.
This means that regardless of your gender identity, gender identity, sexual orientation, or mental, or physical disabilities, you can enroll in Medicare Plan N if you meet these basic requirements.
When to enroll in Medicare Plan N
It’s important to know the best time to enroll in Medicare Plan N to maximize your benefits. The Medigap Open Enrollment Period is a six-month window that begins when you start your Part B coverage.
Enrolling during this period is crucial, as enrolling outside of this window may subject you to medical underwriting and could result in denied coverage or higher premium rates.
If you qualify for a Special Enrollment Period, you may be able to enroll in Medicare Plan N without medical underwriting.
The Benefits of Choosing Blue Shield for Your Medicare Plan N
Selecting Blue Shield for your Medicare Plan N offers numerous advantages, such as coverage for coinsurance costs for Medicare Part A and Part B, hospice care, and skilled nursing facilities. Blue Shield also provides a range of plan options, allowing you to tailor your coverage to your specific needs and budget.
With the option to add dental, vision, and hearing coverage for an additional cost, you can create a comprehensive healthcare plan that meets all your requirements.
Access to a vast network of healthcare providers
One of the major benefits of choosing Blue Shield Medicare Plan N is access to an extensive network of healthcare providers. This network comprises doctors, specialists, and hospitals, ensuring that you have access to the care you need, when you need it.
For more information on the healthcare providers associated with Blue Shield Medicare Plan N, you can refer to the Blue Shield of California website, which offers a comprehensive list of providers and facilities within their network.
Personalized plans to fit individual needs and budgets
Blue Shield offers personalized plans, including Medicare Plan N, to accommodate different needs and budgets. This flexibility allows you to choose a plan that best suits your healthcare requirements and financial constraints, ensuring that you receive the coverage you need without an undue financial burden.
By selecting Blue Shield for your Medicare Plan N, you can take advantage of their customized plans and additional services, such as access to an extensive network of healthcare providers and support.
Additional services and support
In addition to the core benefits of Medicare Plan N, Blue Shield also offers additional services and support to enhance your healthcare experience.
Their virtual care service provides 24/7 access to board-certified physicians via telephone or video conferencing for non-emergency medical issues, with the option of obtaining prescriptions when necessary.
Blue Shield also offers a variety of wellness programs, including health coaching, nutrition counseling, and fitness classes, to help you maintain and improve your overall health.
Cost-saving Opportunities with Blue Shield Medicare Plan N
Blue Shield Medicare Plan N provides various cost-saving opportunities to help you save money on your healthcare expenses.
By taking advantage of these opportunities, such as the Welcome to Medicare Rate Savings program, you can lower your monthly premiums and keep your healthcare costs in check.
Additionally, Blue Shield offers household savings, AutoPay savings, and dental savings, further reducing your financial burden.
Welcome rate and household savings
The Welcome to Medicare Rate Savings program provides new enrollees in Medicare Part B with a $300 savings in their first year. This discount is applied to your monthly premium, potentially resulting in significant savings.
Additionally, Blue Shield Medicare Plan N offers households the opportunity to save up to $50 per month for two people living in the same household. To apply for these savings, simply contact Blue Shield of California and provide proof of eligibility.
AutoPay savings and dental savings
Blue Shield Medicare Plan N also offers AutoPay savings, allowing you to save up to $10 per month when you enroll in their AutoPay program. This convenient service automatically deducts your monthly dues from your checking or savings account, ensuring timely payments and eliminating the need to remember due dates.
Additionally, enrolling in a dental plan concurrently with your Blue Shield Medicare Supplement plan can result in savings of $3 per month for the initial six months on your dental rates.
With these additional cost-saving opportunities, you can further reduce your healthcare expenses while enjoying comprehensive coverage.
Switching to Blue Shield Medicare Plan N
If you’re considering switching to Blue Shield Medicare Plan N, the process is relatively straightforward.
The initial step is enrolling in Medicare Part A and Part B, followed by contacting Blue Shield of California to apply for Medicare Plan N.
Having your new Medigap policy in hand, you’ll be given a 30-day free look period, during which you can review the policy and decide whether to retain it.
Transitioning from another Medicare Supplement plan
If you’re currently enrolled in another Medicare Supplement plan and wish to transition to Blue Shield Medicare Plan N, there are several steps to follow.
First, determine the best time to switch plans, ideally during your Medigap Open Enrollment Period, which lasts for six months commencing when you turn 65 and enroll in Medicare Part B.
Next, follow these steps to select and enroll in a new insurance plan.
- Research and compare plans to ensure they meet your requirements and offer the coverage you desire.
- Choose a plan that best fits your needs.
- Contact the insurance company or agent to enroll in the chosen plan.
- Complete any necessary forms or documentation.
Your old Medicare Supplement plan will be automatically canceled upon enrolling in the new plan.
Upgrading your current Blue Shield plan
If you already have a Blue Shield plan and wish to upgrade to Medicare Plan N, the process is simple. Here are the steps to follow.
- Submit an application for your new medical plan through Covered California.
- Obtain a new ID number and medical plan.
- Contact Blue Shield of California Promise Health Plan if you have any questions or need assistance.
With this streamlined process, upgrading your current Blue Shield plan to Medicare Plan N is a hassle-free experience, ensuring that you receive the enhanced benefits and coverage you desire.
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Summary
In conclusion, Blue Shield Medicare Plan N offers a comprehensive healthcare solution with unique features and benefits, making it an attractive option for individuals seeking a Medicare Supplement plan.
With its extensive network of healthcare providers, personalized plans, and additional services, Blue Shield Medicare Plan N ensures that your healthcare needs are met without an undue financial burden.
By understanding the enrollment process, eligibility criteria, and cost-saving opportunities, you can make an informed decision and confidently transition to Blue Shield Medicare Plan N, knowing that you’ve chosen a plan that will provide the coverage and support you need to maintain and improve your overall health.
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Frequently Asked Questions
What is Blue Shield of California Medicare Plan N?
Blue Shield of California Medicare Plan N is a Medicare Supplement insurance plan offered by Blue Shield of California to fill in the gaps in Original Medicare coverage.
What does Blue Shield of California Medicare Plan N cover?
Plan N typically covers Medicare Part A coinsurance and hospital costs, Part B coinsurance or copayments, blood transfusion costs, skilled nursing facility care coinsurance, and limited foreign travel emergency coverage.
How do I enroll in Blue Shield of California Medicare Plan N?
To enroll in Blue Shield of California Medicare Plan N, you must first be enrolled in Medicare Part A and Part B. Then, you can contact Blue Shield of California or a licensed insurance agent to apply for the plan.
Are there monthly premiums for Plan N in California?
Yes, there is a monthly premium for Blue Shield of California Medicare Plan N. The exact premium can vary based on your location, age, and other factors.
What are the out-of-pocket costs associated with Plan N?
While Plan N provides comprehensive coverage, you may still have to pay certain out-of-pocket costs, including the Part B deductible, copayments for some doctor’s visits, and emergency room visits.
Can I use any healthcare provider with Blue Shield of California Medicare Plan N?
Yes, you can see any doctor or specialist who accepts Medicare patients. Blue Shield of California Medicare Plan N does not restrict your choice of healthcare providers.
Is prescription drug coverage included in Blue Shield of California Medicare Plan N?
No, Plan N does not include prescription drug coverage. To get prescription drug coverage, you will need to enroll in a separate Medicare Part D plan.
Is Plan N a good choice for travelers in California?
While Plan N provides limited coverage for foreign travel emergencies, it may not offer comprehensive coverage for extensive international travel. Travelers should consider purchasing additional travel insurance.
Can I switch to Blue Shield of California Medicare Plan N from another Medicare Supplement plan?
Yes, you can switch from one Medicare Supplement plan to another, including Plan N, during certain enrollment periods. Keep in mind that you may need to meet eligibility requirements or undergo medical underwriting.
Are there any discounts available for Blue Shield of California Medicare Plan N?
Blue Shield of California may offer discounts, such as household discounts for couples or preferred payment methods. It’s advisable to inquire about available discounts when applying for the plan.
Find the Right Medicare Plan for You
Finding the right Medicare plan doesn’t have to be confusing. Whether it’s a Medigap plan, or you have questions about Medicare Advantage or Medicare Part D, we can help.
Reach out today at 1-888-891-0229 and one of our knowledgeable, licensed insurance agents will be happy to assist you!
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.