C Plus Common Questions | Blue Cross and Blue Shield of Alabama - Medicare
C Plus - Common Questions
- What is a Medicare Supplement Policy
- Who is eligible for coverage?
- How much does C Plus cost?
- Do you offer gym/fitness memberships or discounts?
- Do C Plus plans cover prescription drugs?
- How do I enroll in C Plus?
- What are my payment options?
- What if my employer offers retiree coverage?
- How do I find my local Blue Cross Representative?
A Medicare Supplement (Medigap) policy works with Original Medicare, picking up as a Supplement where Medicare leaves off. It covers most of the deductibles, copays and coinsurance not covered by Medicare. These policies do not cover Part D prescription drugs.
You can enroll in C Plus if you are an Alabama resident and enrolled in Medicare Part A and Medicare Part B. If you receive full Medicaid or Qualified Medicare Beneficiary (QMB) program benefits, you are not eligible to purchase C Plus or any other Medicare supplement. Those who are under age 65 and have Medicare due to end-stage renal disease (ESRD) may not be eligible. Coverage may be available for individuals who are disabled and under the age of 65.
Premiums for C Plus Plans are based on your age at the time of enrollment. The age category you start with is the one you keep as long as you're continuously enrolled in that C Plus plan. Your premium never "jumps" to the next age category.
C Plus membership includes SilverSneakers®* by Tivity Health, a fun, energizing program that helps older adults take greater control of their health by encouraging physical activity and offering social events. SilverSneakers benefits include:
- Basic fitness membership at any participating location
- Signature SilverSneakers group exercise classes designed exclusively for older adults
- Support from trained Senior Advisors
- Health education and social activities
- Exclusive member Web portal with exercise and nutrition plans, recipes, health resources, and much more.
C Plus is a health insurance policy only and does not provide coverage for Part D prescription drugs. You may want to enroll in one of our prescription drug plans, BlueRx (PDP), for the most comprehensive coverage.
Enroll in C Plus by completing the online application. You can also call one of our representatives to enroll by phone or to request an enrollment kit at 1-888-543-9212 (TTY 711), 8 a.m. to 8 pm., 7 days a week. From April 1 to September 30, on weekends and holidays, you may be required to leave a message. Calls will be returned the next business day.
An annual C Plus open enrollment will be offered each year to coincide with Medicare's Annual Election Period from October 15 to December 7. During this open enrollment, members can enroll or switch plans with an effective date of January 1. To enroll outside of the annual enrollment period, you must meet certain qualifications such as turning 65. For a complete list of enrollment guidelines, please refer to the Plan B, Plan F or Plan G contract book.
There's no cost to set up automatic payment. Your pre-enrollment packet has an Automatic Payment Authorization Agreement (CAD-56) included. Select the option that works best for you and return the form to Blue Cross. The monthly payment options are automatic Checking Account Deduction or Credit/Debit Card Payments.
You can also set up your automatic monthly payments by signing in to your myBlueCross account under the "Review and Pay My Bill" link. If you prefer, you could have your billing statement mailed each month which includes an invoice to return your premium payment. Please make a note on your application to indicate monthly payment of premium. As always, if you have any questions feel free to call our Customer Service Department at 1-888-417-4775 (TTY: 711) 8 a.m. to 5 p.m., Monday - Friday.
Set up online bill payment through your financial institution. Please be sure to include your contract number when setting up online bill payment.
If you are covered under an employer sponsored retiree plan, please check with your employer to determine what would happen should you choose to leave your retiree plan. Sometimes, leaving makes you ineligible to return to that plan in the future. It's best to assess your current health care needs and compare how you will be covered under your retiree plan to how you would be covered under Blue Advantage (PPO), or BlueRx and C Plus prior to making a change. If your employer does not offer retiree coverage or if you believe that Blue Advantage, BlueRx or C Plus coverage may be better for you, you can enroll online, attend a meeting with your local representatives, or call 1-888-543-9212 (TTY 711), 8 a.m. to 8 p.m., 7 days a week. From April 1 to September 30, on weekends and holidays, you may be required to leave a message. Calls will be returned the next business day.
To attend a meeting with your local representative, call 1-877-278-7007 (TTY 711) 8 a.m. to 8 p.m., 7 days a week. From April 1 to September 30, on weekends and holidays, you may be required to leave a message. Calls will be returned the next business day. For accommodations of persons with special needs at sales meetings, call 1-888-685-6330 (TTY 711) 8 a.m. to 8 p.m., 7 days a week. A sales person will be present with information and applications for the PPO, Medicare Supplement and PDP products that will be discussed at the event.
* SilverSneakers® is a registered trademark of Tivity Health, Inc. © 2019 Tivity Health, Inc. All rights reserved.