Blue Cross Medicare OptionsSM | Blue Cross and Blue Shield of Montana

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Blue Cross Medicare Options

You have a choice when it comes to your Medicare health coverage through Blue Cross and Blue Shield of Montana. You can choose from our Medicare Advantage Plans or Medicare Supplement Insurance Plans.

Part vs Plan

When you’re learning about Medicare, you may see a lot about ‘Parts’ and ‘Plans.’ For instance, you may read about Part A or Plan A. The two are different, but they are easy to separate. Here’s what you need to remember:

PARTS

Medicare is made up of Parts.

Medicare Parts cover specific benefits, like hospital or doctor visits, medications, and more. Most people have Part A and Part B. Some people may have Part C Medicare Advantage plan that combines Part and Part with additional benefits. Other people have part D.

Learn more about the 4 Parts of Medicare and how they work.

PLANS

Medicare Supplement Insurance is made up of Plans.

Medicare Supplement Insurance Plans cover certain costs that the Medicare Parts do not. Different Medicare Supplement Insurance Plans cover different types of costs.

Learn more about Medicare Supplement Insurance Plans.

Blue Cross Medicare Advantage Plans

The Blue Cross Medicare Advantage plans offer all-in-one options that cover medical and prescription drugs.

Combines what’s covered by Part A and Part B, and add benefits 

It Will Provide:

  • Medicare Part A (hospital insurance) coverage
  • Medicare Part B (medical insurance) coverage
  • Limits your out-of-pocket costs

Most Include:

  • Medicare prescription drug coverage (Part D)
  • Extra coverage, such as dental, hearing and/or vision services, and health and wellness programs

MedicareBlue Rx

MedicareBlue Rx helps you cover your outpatient prescription drug costs.

Helps cover costs of prescription drugs with copays or coinsurance 

Partially Covers:

  • Prescription drugs

Simply Blue

Medicare Supplement Insurance Plans offer simple options that help you pay some costs not covered by Original Medicare.

Helps with costs that Medicare Part A and Part B do not cover 

Helps to pay for:

  • Coinsurance
  • Copayments
  • Deductibles

Important: If you enroll in a Blue Cross Medicare Advantage Plan, you cannot also enroll in Medicare Supplement Insurance Plans.

Help Me Choose a Plan

Not sure what you need? Answer a few questions to help you decide. Get started

Now that you’ve picked a plan, it’s time to enroll.

Useful Tools

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