You have the BlueCross Georgia Medicare Supplement available through several different major insurance companies in Georgia. While Medicare is a federally funded and administered program, the Medicare Supplement is placed in the hands of private insurance companies. This is based on the 2003 privatization of Medicare.
Who Sells Georgia Medicare Supplement?
All of the major names in health insurance are approved by the government to administer the funds for the Medicare Supplement. Therefore, your health insurance company can probably make BlueCross Georgia Medicare Supplement available.
What Does Georgia Medicare Supplement Provide?
The BlueCross Georgia Medicare Supplement available through your health insurance company provides all of the benefits of Medicare. Medicare is made up of 4 parts: A, B, C, and D. The BlueCross Georgia Medicare Supplement available is Part C. Another name for it is Medigap insurance.
You have to already be receiving Medicare Part A or B in order to receive Part C. This is because Medicare Part C, or Medicare Supplement, is designed to help you cover your part of medical care that Parts A and B don’t cover, and to help with Part D, or prescription coverage.
How Does it Work?
With the BlueCross Georgia Medicare Supplement available, you get coverage for medical and health services not covered by Parts A and B. This includes, of course, prescription drugs through Medicare Part D. But, it also includes coverage for things like vision care, dental services, and memberships to health clubs and gyms. When you participate in the BlueCross Georgia Medicare Supplement available, you have access to the insurance company medical networks. The providers in these networks provide significant discounts to the insurance companies approved by Medicare, and these discounts are passed on to you. This means that, for your premium, you get substantially more access to a wider variety of medical services at a price that more than makes up for the amount of the premium.
The Medicare Supplement in Georgia is readily available in most counties
The BlueCross Georgia Medicare Supplement available to every recipient has 12 different policies, as mandated by Medicare. The insurance companies’ participation can choose to offer any number of these policies, but they don’t have to offer all of them. About ½ of the policies are HMO type that use network providers exclusively and require PCPs and referrals. The other ½ of the 12 policies are PPO types that allow you to keep your doctors and see specialists without referral. These policies are more expensive, though.
Also, with the BlueCross Georgia Medicare Supplement available, you have access to 6 different classes of drugs, along with the regular array of medications. These six classes each contain several drugs, but the insurance companies can choose which of the drugs in each class they will cover. If your medication is not in the formulary approved by the insurance company, you should ask your doctor if there is another drug in that class that he or she approves of. Your drug may also be on the insurance formulary in generic form.
