I'm already a Blue Cross member, how do I transition to Medicare?
Who is this for?
If you're a Blue Cross member and are eligible for Medicare, this page explains how you can transition into the program.
You should do three things before you turn 65:
- Apply for Medicare. You should enroll in Original Medicare when you first become eligible. You're first eligible in the seven-month window that includes the three months before you turn 65, the month of your birthday and the three months after you turn 65. You can apply for a Medicare Advantage plan after you enroll in Original Medicare.
- Pick an insurance company. If you're already a Blue Cross member, you're familiar with our company. We have several options, including Medicare Advantage plans that offer the same benefits as your previous Blue Cross plan.
- Pick a plan. Weigh the pros and cons of each plan to make sure you get the best coverage for you.
There are four plan types:
- Original Medicare is the government-sponsored health care program. Part A covers hospital stays. Part B covers medical services and doctor visits. You enroll through the Social Security office.
- Medicare Advantage plans are the all-in-one option. Private companies like the Blue Cross contract with the federal government to provide all the Original Medicare benefits and sometimes more health coverage on top of that.
- Medigap plans, also called Medicare supplement plans, fill the gaps in your Original Medicare coverage. Medigap plans can pay for deductibles, copays and other benefits that Original Medicare doesn’t cover. You’ll need both your Medicare card and your Medigap ID card to get care.
- Part D prescription drug plans are an important addition to your Medicare plan. Most Medicare Advantage plans include prescription drug coverage, but some don't. If you choose a Medigap plan, you’ll need to buy a separate Part D prescription drug plan.