2010 Medicare Benefits

How much do you want to pay? Some plans have lower monthly premiums but you share in the cost of your health care with a copayment or coinsurance. Other plans have a higher monthly premium but you’ll pay little to no out-of-pocket costs for eligible services. You must continue to pay your Medicare Part B premium. This amount is usually deducted from your Social Security check.

Member pays	Senior Gold
Monthly plan premium (amount you pay)	Tobacco-free $199* Standard $261* Includes $5 premium for optional preventive care coverage
Annual medical deductible	$0
Annual out-of-pocket maximum for covered medical services	No maximum although there are usually no out-of-pocket costs for eligible services

* If your effective date of coverage is June 1, 2010 or later, premiums may be different. Contact your sales representative or Blue Cross for additional information. How much do you want to share in the cost of services? When you get care in a doctor’s office, emergency room, urgent care facility or hospital, the amount you pay will vary. In general, the more you are willing to share in the cost of Medicare-eligible services, the lower the monthly plan premium will be.

Member pays	Senior Gold
Doctor’s office visit	$0
Emergency care In the United States and worldwide	$0 in the U.S. 20% coinsurance worldwide
Urgently needed care In the United States	$0
Inpatient hospital stay	$0; no limit to the number of days covered each benefit period

Do you travel? Plans vary in their travel benefits and the length of time you’ll be covered. How often you travel and how long you travel should be considered.

Member pays	Senior Gold
Travel coverage	Plan benefits for unlimited travel outside the service area and within the U.S.

What about access to doctors and hospitals? Our participating provider networks are extensive and include many of the providers in Minnesota and nearby states.

Preventive services? We believe that preventive services are a key feature for your good health. Seeing your doctor regularly and getting necessary tests could help detect a problem earlier and keep it from turning into a bigger problem later. All of our plans include coverage for various preventive services and/or screenings.