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BCBSIL - 2015 Medicare Part D Prescription Drug Plans



Blue MedicareRx Plans

Blue MedicareRx offers 3 plan designs: Basic, Value, and Plus. Below is an overview of each plan.

Blue MedicareRx Plans Comparison

 BasicValue PlanPlus Plan
Monthly Premium*
$23.00
$37.50
$97.70
Deductible
$310 all Tiers
$275 for Tiers 3,4, and 5 only
$0
Copays
 Preferred / Non-Preferred NetworkPreferred / Non-Preferred NetworkPreferred / Non-Preferred Network
Tier 1 - Preferred Generic Drugs
$1 / $6
$0 / $5
$0 / $5
Tier 2 - Non-Preferred Generic
$2 / $8
$2 / $7
$2 / $7
Tier 3 - Preferred Brand Drugs
$39 / $45
$39 / $44
$33 / $40
Tier 4 - Non-Preferred Brand
$85 / $95
$85 / $95
$80 / $95
Tier 5 - Specialty Drugs
25% / 25%
25% / 25%
33% / 33%
Coverage Levels
Initial Coverage
After you pay your yearly $310 deductible, you pay the copays above and BlueMedicare Rx pays for the remaining drug cost until the total combined yearly drug costs reach $2,850.
You pay the copays above and BlueMedicare Rx for tiers 1 and 2 and pay the $275 deductible for tiers 3-5 and subsequent copays until the total combined yearly drug costs reach $2,850.
You pay the copays above and BlueMedicare Rx pays for the remaining drug costs until the total combined yearly drug costs reach $2,850. There is no deductible with the Plus Plan.
Gap Coverage
Once you and your Blue MedicareRx Part D drug plan have spent $2,850 for covered drugs, you will be in the donut hole. You will also receive a discount on brand name drugs and generally pay no more than 47.5% for the plan's costs for brand drugs and 72% of the plan's costs for generic drugs until your yearly out-of-pocket drug costs reach $4,550. This annual out-of-pocket spending amount includes your yearly deductible, copayment, and coinsurance amounts.
Once you and your Blue MedicareRx Part D drug plan have spent $2,850 for covered drugs, you will be in the donut hole. You will also receive a discount on brand name drugs and generally pay no more than 47.5% for the plan's costs for brand drugs and 72% of the plan's costs for generic drugs until your yearly out-of-pocket drug costs reach $4,550. This annual out-of-pocket spending amount includes your yearly deductible, copayment, and coinsurance amounts.
Once you and your Blue MedicareRx Part D drug plan have spent $2,850 for covered drugs, you will continue to pay initial cost sharing on all formulary generics in Tiers 1, 2 and 5. You will also continue to pay initial cost sharing on some brands in Tiers 3, 4 and 5. On the remaining brand name drugs you will generally pay no more than 47.5% of the costs of the drugs.

The donut hole continues until your total out-of-pocket cost reaches $4,550. This annual out-of-pocket spending amount includes your copayment and coinsurance amounts.
After the Gap
When you spend more than $4,550 out-of-pocket, the coverage gap ends and your drug plan pays most of the costs of your covered drugs for the remainder of the year. You will then be responsible for whichever is greater:
Tier 1 - Preferred Generic Drugs: $2.55 copay or 5% coinsurance for your drug
Tier 2 - Non-Preferred Generic: $2.55 copay or 5% coinsurance for your drug
Tier 3 - Preferred Brand: $6.35 copay or 5% coinsurance for your drug
Tier 4 - Non-Preferred Brand: $6.35 copay or 5% coinsurance for your drug
Tier 5 - Specialty Drugs: 5% coinsurance for your drug
Summary of Benefits 
 


Medicare Part D Eligibility

Before picking a plan, you need to be sure you are eligible for Blue MedicareRx.

To be eligible, you must:

  • Be entitled to receive services under Medicare Part A and/or enrolled in Part B
  • Reside in plan service area in the state of Illinois
  • Not be enrolled in any other Medicare Part D plan at the time

If you are enrolled in a Medicare Advantage HMO, PPO, or POS plan, you may only receive your Medicare prescription drug benefits through that Medicare Advantage plan.

You can also enroll if you have Original Medicare or have a Medigap policy in addition to a prescription drug plan.


You may not enroll in any Medicare-approved prescription drug plan unless you have a Medicare services account (MSA) or a private fee-for-service (PFFS) Medicare Advantage plan that does not provide Medicare prescription drug coverage.


If you are eligible and live where Blue MedicareRx is available, you should decide which enrollment period is right for you.

Enrollment Periods


Annual Enrollment Period*

  • Any time between October 15 and December 7th, 2014
  • Coverage begins on January 1, 2014
  • Use this time to enroll in Blue MedicareRx for the first time or to switch plans

*Dates subject to change after January 1, 2014


Initial Enrollment Period

The Initial Enrollment Period (IEP) is the period of time when a Medicare beneficiary is first eligible to enroll in Blue MedicareRx. Instances of IEP include:

  • Eligibility due to turning age 65. This 7-month IEP includes the three months before a beneficiary's 65th birthday, the birthday month and the three months after the birthday.
  • Eligibility based on being under age 65 and on disability or being diagnosed with End Stage Renal Disease. The IEP depends on the date the disability or treatments begin.

The effective date is generally the first day of the month after Blue MedicareRx receives the completed enrollment request.


Special Enrollment Period

There may be select circumstances when you can enroll outside of the initial and annual enrollment periods. Below is a list of some, but not all, of those circumstances:

  • A move outside of the plan's approved service area
  • Entering or leaving a qualified institution, such as a nursing home
  • Enrolling in, or disenrolling, from a Medicare Advantage plan (medical and drug benefit)
  • Becoming eligible for low income subsidy assistance
  • Becoming enrolled in Medicare or Medicaid

To obtain more detailed information on a Special Enrollment Period, including enrollment and effective dates, please contact a Blue MedicareRx Product Specialist.


Late Enrollment Penalty

Part D Penalty - If you do not or did not join a Medicare drug plan when you first became eligible and didn't have other creditable prescription drug coverage**, you may have to pay a late enrollment penalty of 1% for every month that you were eligible for Medicare but did not have creditable prescription drug coverage. This penalty would be added to your Part D plan premium, and the penalty amount could increase every year. You may also have to pay a penalty if you had a break in your Medicare drug coverage or other creditable drug coverage for at least 63 days in a row.

  • To avoid paying the Part D penalty: join a Medicare Part D plan when you first become eligible (called the Inital Enrollment Period*), and do not go more than 63 days in a row without a Medicare drug plan or other creditable coverage.

*The Initial Enrollment Period for Part B consists of the month of your 65th birthday, the three months before, and the three months after the month you turn 65.

**Creditable prescription drug coverage is coverage that is expected to pay on average at least as much as Medicare's standard prescription drug coverage (eg. coverage from an employer or union).

Please visit the Social Security Administration website for more information.

After You Enroll


After Enrollment

After receiving your completed enrollment form, Blue MedicareRx will send you:

  • An acknowledgement letter within 10 days of receiving your enrollment form
  • After your enrollment has been approved, we'll send you another letter no later than ten (10) calendar days from receipt of CMS confirmation of enrollment, or by the last day of the first month of enrollment, whichever occurs first
  • Approximately two weeks after receipt of your ID card, we'll send your Welcome Kit. This package will include your Evidence of Coverage along with everything you'll need to know about being a member of Blue MedicareRx
  • A confirmation letter with your member identification card and the date your coverage will be effective
  • Your Blue MedicareRx Welcome Kit, which includes your Evidence of Coverage and everything you’ll need to know about being a member

Evidence of Coverage

The evidence of coverage (EOC) is a detailed document that explains the plan rules associated with Blue MedicareRx. This document, together with your enrollment form, riders, coverage and the amendments that we may send to you, is our contract with you.

The EOC explains:

  • What is and is not covered by Blue MedicareRx
  • How to get your prescriptions filled
  • What you will have to pay for your prescriptions
  • Your rights and responsibilities

Evidence of Coverage: Basic Plan 

Evidence of Coverage: Value Plan 

Evidence of Coverage: Plus Plan 


Medicare Part D Financial Help

People with limited incomes may qualify for extra help to pay for their prescription drug costs. If eligible, Medicare could pay for up to 100 percent of drug costs, including monthly prescription drug premiums, annual deductibles and copays/coinsurance. (An enrollee's premium will generally be lower once he or she receives extra help from Medicare.)

Additionally, those who qualify will not be subject to the coverage gap or a late enrollment penalty. Many people are eligible for these savings and don't know it.

Best Available Evidence Policy

Get more information from the Centers for Medicare & Medicaid Services about the policy for applying for extra help and the documentation required

Low Income Subsidy Premium

The premiums listed do not include the amount you pay for your Medicare Part B premium.

Your level of extra helpMonthly premium for Blue MedicareRx Value planMonthly premium for Blue MedicareRx Plus Plan
100% $8.10 $65.00
75% $15.80 $72.70
50% $23.50 $80.40
25% $31.10 $88.20

To learn if you qualify for extra help, contact:

  • Medicare
    1-800-MEDICARE (1-800-633-4227)
    Hearing and speech impaired 1-877-486-2048
    24 hours a day, 7 days a week
  • Social Security Administration
    1-800-772-1213
    Hearing or speech impaired 1-800-325-0778
    7 a.m. – 7 p.m., Monday – Friday
  • Your local Medicaid office

Resources include savings and stocks, but not your home or car. Qualifications are established by the federal government and subject to change annually.