CPlus, A Medicare Select Plan

Common Questions

 

 

What is a Medicare Supplement Policy?

A Medicare Supplement (Medigap) policy works with Original Medicare, picking up as a Supplement where Medicare leaves off. It covers the deductibles, copays and coinsurance not covered by Medicare. These policies do not cover Part D prescription drugs.

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Who is eligible?

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.

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How much does C Plus cost?

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.

Compare the different C Plus plans.

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Do you offer gym/fitness memberships or discounts?

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.

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Do C Plus plans cover prescription drugs?

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.

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How do I enroll in C Plus?

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.

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 or Plan F contract book.

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What are my payment options?

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.

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What if my employer offers retiree coverage?

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.

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How do I find my local Blue Cross Representative?

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. 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

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* SilverSneakers® Fitness Program is provided by Tivity Health Inc.™ ©2017, an independent company with subsidiaries and affiliates worldwide. All rights reserved.