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1 2016 GROUP MEDICARE supplement plans

2 Create a Healthier Organization Your employees are your organization s most valuable asset. As they retire, you want to show your commitment to them and manage health care expenses as well. Choose from a variety of Medicare supplement plans to fill the gaps in Original Medicare, help make your employees transitions into retirement a better experience and help your organization control health care expenses. Expertise that works for you Whether you are considering adding retiree health care coverage, maintaining health plan benefits for your retirees or looking into other options, Blue Cross and Blue Shield of Minnesota has a plan that fits. We ve designed Group Medicare retiree health plans for nearly all types of employers and organizations, including publicly held corporations, privately owned companies, nonprofits, government and public entities and Taft-Hartley trust funds. Options to meet your needs With a variety of Group Medicare supplement plans, you can choose one to best meet your organization s unique needs. Whether you want a plan that covers Medicare deductibles, and coinsurance or a plan where retirees share in the cost of their care, you ll be able to select the right balance of coverage and costs for your organization. A commitment to health Blue Cross has been helping Minnesotans with their health care needs for more than 80 years and has offered Medicare plans since the program began. You can count on us to provide protection, value and service. Learn more To find out more about our Group Medicare supplement plans, talk with your Blue Cross sales representative or have your agent/broker contact Blue Cross directly to discuss your needs.

3 MEDICARE groupsupplement plan options senior gold Group Senior Gold SM provides a basic level of health coverage. Choose all four additional options to build the most comprehensive plan. By selecting all four options, members have no deductibles, or coinsurance for Medicare-eligible services and supplies, and they re protected against catastrophic expenses. Option 1: Covers Medicare Part A inpatient hospital deductible Option 2: Covers Medicare Part B annual deductible Option 3: Covers 100 percent of eligible medical expenses and supplies that exceed Medicare-approved charges Preventive: Covers hearing and vision screenings and other medically necessary routine screenings not covered by Original Medicare PLAN L Group Plan L is ideal if you want to offer a Medicare supplement plan with a lower monthly premium in exchange for retirees paying a greater share of their health care expenses. Group Plan L pays 75 percent of most hospital and medical expenses that remain after Original Medicare coverage is applied. The plan includes catastrophic protection with an annual out-of-pocket maximum. PLAN K Group Plan K Our lowest-cost Medicare supplement plan, Group Plan K includes the same features as Group Plan L and pays 50 percent of most hospital and medical expenses that remain after Original Medicare coverage is applied. It includes catastrophic protection with an annual out-of-pocket maximum. 1

4 healthy habits. helpful resoures. Good health means taking time for health every day and creating healthy habits that help members stay well. We ve identified important habits that impact your health and wellbeing: Managing stress, eating right, staying active, managing a healthy weight, quitting tobacco and making positive health care decisions. The tools and resources below are integrated into your health plan benefits to help you create healthier habits and reach your healthy goals. LOOKING FOR ANSWERS? Health Guides Members can ask questions about their health plan benefits, finding a provider, choosing the right type of care, or get connected to a nurse about health care services. Online health and wellbeing resources Members have access to a library of articles, videos, quizzes and calculators about health conditions, diseases, procedures and prescriptions. UNDER THE WEATHER? Nurse line Members can ask a nurse health-related questions 24 hours a day, seven days a week. SEEKING SUPPORT? Quitting tobacco support Members can develop and maintain a quit plan with support from a Quit Coach. SAVING MONEY? Fitness program options Fitness membership discounts Members can earn a credit up to $20 for working out 12 or more times per month at a participating fitness center. Silver&Fit Exercise and Healthy Aging Program. Sign up for a membership at a participating fitness facility or choose home exercise kit options, all at no cost to you. Vision and hearing support Eyewear and hearing aid discounts. The Silver&Fit program is provided by American Specialty Health Fitness, Inc., a subsidiary of American Specialty Health Incorporated (ASH), an independent company providing personal health and wellness programs. Silver&Fit is a federally registered trademark of ASH and used with permission herein. additional features Medical coverage when and where they need it. Members may live or travel anywhere in the United States and receive plan benefits from any provider that accepts Medicare. No referrals needed. Worldwide coverage. Emergency care received outside the United States is covered at 80 percent. (Group Senior Gold only.) Preventive care. All plan options include coverage for various routine services and screenings. Online member center. The mybluecross online member center has tools and information to help members manage their health and their health coverage. In this secure site, members can search for a doctor, see recent claims and much more. 2

5 Navigating Medicare Original Medicare is a health insurance program for people age 65 and older and people with certain disabilities, including permanent kidney failure. Established in 1965, Medicare is administered by the Centers for Medicare & Medicaid Services (CMS), an agency of the U.S. federal government. Original Medicare has two parts: Medicare Part A is hospital insurance that helps pay for inpatient care in hospitals and skilled nursing facilities. Medicare Part B is medical insurance that helps pay for doctor visits, physicians services, certain preventive services and screenings, lab tests, durable medical equipment and outpatient hospital treatment. Medicare does not cover all of your retirees health care expenses. There are deductibles, and coinsurance that your retirees still have to pay. A Group Medicare supplement plan provides coverage that can help reduce or eliminate these out-of-pocket costs for your retirees. Add prescription drug coverage for a comprehensive health care package You can pair your medical coverage with Group MedicareBlue SM Rx (PDP), a stand-alone prescription drug plan with a Medicare contract. Your retirees can live anywhere in the United States and have their prescriptions filled at more than 68,000 participating pharmacies. 3

6 2016 Group medicare supplement plans This chart provides highlights of the medical benefits of Group Medicare supplement plans. For information about Original Medicare benefits and additional details (including coverage limits that may apply), refer to the Summary of Coverage and Disclosure of Information. Benefits shown are the amount members pay for Medicare-eligible services and supplies. Benefit category Deductible Amount member pays before coverage begins 1 Group Senior Gold with all four options selected for in-network Medicare-eligible services and supplies. 2 Annual service and/or coverage limits may apply. 3 All four plans provide additional coverage for certain diabetic supplies and services not covered by Medicare Part B or Part D amount; subject to change each calendar year. Group Senior Gold 1 Group plan l Group plan k $0 25% of the Part A deductible and 100% of the Part B deductible 50% of the Part A deductible and 100% of the Part B deductible Annual out-of-pocket maximum No maximum $2,470 4 $4,940 4 Doctor office visits Primary care, specialists, chiropractic and podiatry services Diagnostic tests, X-rays, lab services and radiology services Preventive services 1, 2 Including Welcome to Medicare and annual wellness visits, routine physical, hearing tests and eye exams Cancer screenings 2 Emergency care Within the United States Urgently needed care Within the United States Travel coverage Inpatient hospital care Per benefit period Skilled nursing facility care Up to 100 days each benefit period Outpatient care Therapy/outpatient visits, certain lab services, outpatient or ambulatory surgical center visits $0 $0 $0 $0; also provides broader coverage of cancer screenings than Original Medicare $0; also provides broader coverage of cancer screenings than Original Medicare 20% coinsurance for No coverage eligible emergency care worldwide $0 25% of Part A deductible Diabetes programs and supplies 3 Durable medical equipment, prosthetics $0; also provides broader coverage of cancer screenings than Original Medicare No coverage 50% of Part A deductible 4

7 group medicare solutions for every need A group plan from Blue Cross doesn t just benefit your retirees, it benefits you as well. Here are some of the ways: Save time and cut costs A Group Medicare supplement plan from Blue Cross can save you money by taking advantage of government programs and eliminating costs associated with administering retiree health benefits. And your retirees will have virtually no paperwork. Individual options available as well If your organization chooses not to offer group retiree coverage, individual Medicare coverage from Blue Cross is an alternative solution. We can help your retirees understand what kinds of individual plans are available so they can easily transition from your group plan to their own individual Medicare plan. A trusted resource It s important to offer health care benefits and maintain good relationships with your employees and retirees. You can be confident you are fulfilling these goals when you choose Blue Cross for your Group Medicare retiree plans. Blue Cross has been serving the needs of our members for 80 years. We understand that you need to manage your bottom line and we look forward to working with you to choose a plan that meets the needs of you and your retirees. 5

8 bluecrossmn.com As Minnesota s health care leader, we live fearless. We believe good health is for everyone not just our members. It s a big vision. And that s why we re investing in the communities we serve and empowering individuals to make smart choices about their health. Live fearless with the peace of mind that comes from knowing you re protected by the strength and stability of Blue Cross. We invite you to join us. Blue Cross and Blue Shield of Minnesota and Blue Plus are nonprofit independent licensees of the Blue Cross and Blue Shield Association. F7792R11 (10/15)

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