AdvantageCareSM |
 |
|
|
|
|
The combined advantage of our Blue Cross Senior Classic F plan with the
added benefits of our AdvantageCare Rider.
AdvantageCare is a rider to the Blue Cross Senior Classic F Plan and is
offered to qualified applicants age 65 to 75, who are enrolled in both
Parts A and B of Medicare. It is an affordable and valuable health plan
that will help pay for a wide range of health care services that Medicare
doesn't cover.
|
|
|
|
|
|
|
Why You May Need AdvantageCare |
|
|
|
|
|
|
In addition to the hospital and physician services covered under our
Senior Classic F Plan, AdvantageCare will help pay for nursing facility,
home health and home support services in the event of you suffer a sudden,
serious illness or accident that requires more comprehensive care.
Medicare pays few, if any, of the expenses associated with receiving
care in a nursing home or in your own home. Should you require these
services, you would be responsible for all costs not covered by Medicare.
That's where AdvantageCare can help.
|
|
|
|
|
|
|
Features of the Blue Cross Senior Classic
F Plan |
|
|
|
|
|
|
Benefits of the Blue Cross Senior Classic F Plan include:
- Freedom to use the doctor of your choice, including over 40,000
Prudent Buyer physicians and specialists
- Freedom to use the hospital of your choice, including more than 300
Participating hospitals
- Full conventional Medicare benefits at all providers anywhere in the
United States
- Pays all Medicare deductibles*
- Pays all Medicare Part B (doctor) co-insurance amounts
- Pays any Medicare Part B Excess charges
- Pays the first 100 days of Skilled Nursing Facility co-insurance
amounts
- Benefits for Foreign Travel Emergencies
- Claim Free Processing for virtually all medical claims
* Pays the Part B $100 deductible only when using a participating Prudent
Buyer Provider. |
|
|
|
|
|
|
Features of the Rider |
|
|
|
|
|
|
| The AdvantageCare Rider provides
additional benefits and coverage for:* |
| Residential Facility and Nursing
Home Care |
Skilled, Intermediate or Custodial Care
Rehabilitation Services; Physical, Occupational or Speech Therapy;
and Medical Social Services |
| Home Health Care |
Registered Nurse and/or Licensed
Vocational Nurse; Certified Home Health Aide; Licensed Therapist
for Physical Therapy; and Occupational and Speech Therapy |
| Home Support Services** |
Personal Care Services (bathing,
dressing, etc.), Chore Services (shopping, cleaning, etc.),
Transportation and Escort Services, Respite Care (Relief for
Caregivers), Adult Day Care, Bill Paying Services, Minor Home
Repair Services |
* Subject to benefit limitations and conditions
including meeting the appropriate waiting period, elimination period and
deductibles.
** Limited to services covered under the policy.
|
|
|
|
|
|
|
Summary of Benefits |
|
|
|
|
|
|
| Rider Waiting Period |
6 months |
| Nursing or Residential Care Facility
Services* |
| Facility Elimination Period |
100 days** |
| Blue Cross Pays |
100% of billed charges 1 |
| Home Healthcare and Home Support
Services* |
| Home Health Care Deductible |
$1,000*** |
| Blue Cross Pays |
100% of billed charges 1 |
| Combined Daily Benefit Amount Up
To |
$100 |
| Combined Maximum Lifetime Benefit |
$36,500 |
* Benefits paid only when services are approved as part of the Plan
of Care coordinated through a Care Manager.
** Rider Waiting Period must also be met. Coordinated with Medicare
covered benefits. Facility Elimination Period needs to be met once over
the lifetime of the policy.
*** Rider Waiting Period must also be met. Deductible needs to be
met once over the lifetime of the policy.
1 Limited to Maximum Daily Benefit Amount.
|
|
|
|
|
|
|
How Is AdvantageCare Different From Long
Term Care Insurance? |
|
|
|
|
|
|
Most Long Term Care (LTC) plans are purchased by individuals who want
coverage for care at home, in an assisted living facility or a nursing
home for extended periods. AdvantageCare is an ideal plan to have to help
cover the costs of receiving care for shorter periods of time (a year or
less), with daily benefits of up to $100 and a lifetime maximum of $36,500
should you need it.
See the Easy
Guide To Rates to determine what your monthly
AdvantageCare premium will be and then contact
Blue Cross of California or your Authorized
Blue Cross of California Agent to enroll or
to request more information about the AdvantageCare
Plan.
|
|
