If you’d like to change your Blue Cross NC Blue Medicare HMO Essential health insurance plan for 2018, you should do so this month so that your coverage can begin on January 1, 2018. If you do not choose a new plan, you will stay with your current plan. Let’s take a closer look at some of the changes to the Blue Cross NC Blue Medicare HMO Essential plan:

The monthly premium will change from $77.60 in 2017 to $56.80 in 2018. However, your monthly premium will increase if you have a higher income or are required to pay a lifetime Part D enrollment penalty. It will be less if you are receiving “Extra Help” with your prescription costs.

Maximum out-of-pocket expenses for 2018 will be $6,700, the same as they were this year. Once you have paid your $6,700 out-of-pocket for Part A and Part B services, you won’t be required to pay anything for covered services the rest of the year.

Since there are changes to the provider and pharmacy network for 2018, it is in your best interest to visit The Mair Agency to and they can help you take a look at the updated provider and pharmacy directory. You should check to see if your primary care physician, specialists, hospital, and pharmacy are in our network for the upcoming year.

There are also some changes to the benefits and costs for medical services such as ambulance services, colorectal cancer screening, emergency care, inpatient mental health care, outpatient mental health care, outpatient surgeries, physician services, and skilled nursing facility care. You can learn about these changes by visiting The Mair Agency as well.

To compare your health insurance options, we encourage you to go to www.medicare.gov and click “Find health & drug plans.” You’ll gain access to information about costs, coverage and quality ratings for a variety of Medicare plans. If you’d like some assistance selecting the right plan, don’t hesitate to contact the MAIR Agency.