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If you’re age 65 or older, on Medicare, and a Michigan resident, Michigan Farm Bureau partners with Blue Cross Blue Shield of Michigan, Blue Care Network and Priority Health to offer you a variety of health care plans to meet your needs, including:
Medicare Advantage plans
A Medicare Advantage plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage plans are offered by private companies approved by Medicare. If you join a Medicare Advantage plan, you still have Medicare. You will get your Part A (hospital insurance) and Part B (medical insurance) coverage from the Medicare Advantage plan and no Original Medicare. Medicare Advantage plans must cover all of the services that Original Medicare covers except hospice care. Original Medicare covers hospice care even if you’re in a Medicare Advantage plan. Medicare Advantage plans aren’t supplemental coverage. Medicare Advantage plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D). In most cases, you can join a Medicare Advantage plan only at certain times during the year.
Medicare offers prescription drug coverage to everyone with Medicare. To get Medicare prescription drug coverage, you must join a plan run by an insurance company approved by Medicare. In most cases, you can join a Medicare Part D prescription drug plan only at certain times during the year.
A Medigap policy (also called Medicare Supplement Insurance) is private health insurance that’s designed to supplement Original Medicare. This means it helps pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance and deductibles. If you have Original Medicare and a Medigap policy, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medigap policy pays its share.
Medicare has neither reviewed nor endorsed this information. Medicare Plus Blue, BCN Advantage and Prescription Blue are PPO, HMO, HMO-POS and PDP plans with a Medicare contract. Enrollment in Medicare Plus Blue, BCN Advantage and Prescription Blue depends on contract renewal.
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Medicare can be confusing. It is easy to miss important information and make a wrong choice that can cost you thousands of dollars down the road. Farm Bureau Health Services will help you understand the process. Come and be part of one of our free Medicare Made Easy classes and learn from the Medicare experts.
Classes are open to the public and will be held at locations across the state. No products will be sold here; it’s strictly educational. Seating is limited, so please RSVP to reserve your spot.