MEDICARE SUPPLEMENT INSURANCE
Blue Medicare Supplement Insurance
Getting started as a Blue Cross and Blue Shield Medicare Supplement member has never been easier.
Welcome to Your Blue Medicare Supplement Insurance Plan
Whether you're new to Medicare or just to your plan, here are some tips to make the transition smooth. Feeling a little nervous about your new plan? We understand. Your Medicare plan may be new to you now, but soon you'll get to know it and be comfortable with it. You may even like it better than your previous health care plan. We hope to answer your basic questions here.
If you need more information or just want a little help understanding your benefits or the Medicare rules, call the number listed on the back of your member ID card.
Medicare Supplement Coverage with BCBSMT
We're here to help you understand your coverage, stay informed, and take advantage of available discounts.
What’s Covered
Your Outline of Coverage details benefits of your plan. Your plan's Outline of Coverage includes:
- Benefits of your plan
- Policy renewal information
- Excluded benefits and coverage limitations
Payment Details
The Outline of Coverage also explains:
- Your payment responsibilities
- Medicare’s payment contributions
- Additional coverage provided by your plan beyond Medicare
Staying Informed
We keep you updated with important letters throughout the year. Here's what you can expect.
Rate Change Mailing
If Blue Cross and Blue Shield of Montana changes your monthly premium, we’ll let you know in advance with a letter showing your new premium amount.
CMS Deductible Change Benefit Mailings
Every year, the Centers for Medicare & Medicaid Services (CMS) updates coinsurance, copayments, and deductibles covered by Medicare. We’ll let you know what those changes are.
Creditable Coverage Letter
Creditable coverage means you have a health care plan that meets a minimum set of criteria. Every year, this letter confirms that your plan meets the minimum requirements for health coverage. If you want to change your plan, you'll need to show this letter when selecting a new plan.
Explanation of Benefits (EOB)
This statement is not a bill. It simply details what you have paid and describes the level of benefits you've used. It is not a bill. Review your EOB for accuracy. If you think there are errors, contact customer service. If you think think you are the victim of fraud, report it immediately.
Medicare Supplement Forms
Below are some forms you may have to fill out while you're a member.
- Automatic Premium Payment Program Authorization Agreement
- Protected Health Information (PHI)
Preventing Fraud
Health care fraud can be reduced or even prevented through awareness. Blue Cross and Blue Shield of Montana (BCBSMT) is committed to finding and stopping health care fraud, waste and abuse through its Special Investigations Department. This department is there to protect you and your plan. However, BCBSMT needs your help to find and prevent health care fraud.
There are things you can do to help find and prevent health care fraud. Review our fighting fraud checklist.
How to Make Payments
You have access to several convenient payment options.
Member Discounts
Saving on Premiums
A BCBSMT Medicare Supplement premium discount may be available. Eligibility criteria are described below. If you are eligible for a discount, the discount will be applied to your next bill and remain in effect as long as you are enrolled in your Blue Cross and Blue Shield of Montana Medicare Supplement plan. Discounts cannot be combined. Only one type of discount per member is permitted.
Continue with Blue℠ Discount
You may be eligible for a Continue with Blue discount if you were enrolled in a Blue Cross and Blue Shield commercial group or individual health insurance coverage plan and that coverage was within one year of your BCBSMT Medicare Supplement policy becoming effective. This applies to BCBSMT Medicare Supplement policies issued with an effective date on or after May 1, 2023. There cannot be a gap in coverage greater than 12 months from the date of when your commercial or individual membership ended to when your Medicare Supplement policy started. The discount is 7%.
Spousal/Partner Discount
You may be eligible for a Spousal/Partner Discount if you enrolled in a BCBSMT Medicare Supplement policy issued with an effective date on or after May 1, 2022. You must reside with a spouse or domestic partner. The discount is 10%.
Blue Family Discount℠
You may be eligible for a Blue Family Discount if you enrolled in a BCBSMT Medicare Supplement policy issued with an effective date on or after May 1, 2024 and you meet the criteria for both the Spousal/Partner Discount AND the Continue with Blue Discount. The discount is 12%.
Apply for the Blue Family Discount, Continue With Blue, or Spousal/Partner Discount
Call the number on the back of your member ID card to speak to a Customer Advocate. Once your eligibility is confirmed, the discount will show up on the next billing cycle.
- The discount will not be retroactive.
- For the Blue Family Discount and Continue with Blue Discount, be prepared to provide your previous commercial or individual member ID.
