B lu e C ro ss o f Th e Plan s of C h oice for C alifornia

1 The Plans of Choice forMedicare SupplementalCoverageBlue Cross ofCaliforniaClaimFree Standard Plan A Medicare Supplement PlanBlue Cross Senior ClassicSMC Medicare Supplement PlanBlue Cross Senior Classic F Medicare Supplement PlanBlue Cross Senior Classic I Medicare Supplement PlanBlue Cross Senior ClassicJ Medicare Supplement PlanMEDICARE AND BLUE CROSSBOTH SIDES OF THE STORYWhen it comes to Medicare, it s important that youknow both sides of the story, and understand theadvantages and disadvantages of relying solely onMedicare to provide for your health care Medicare covers many health care costs,there are many medical services that Medicare doesnot cover.

2 This point is clearly made in the "Guide toHealth Insurance for People with Medicare," whichis published yearly by the Centers for Medicare &Medicaid Services (CMS) of the Department ofHealth and Human Services. As the guidebooksuggests, "There are health care costs that Medicareeither does not pay in full or does not pay at all. Ifyou need or want services not covered by Medicare,you must pay the bill." To help fill the gaps in yourMedicare coverage, you have the option of buyingsupplemental insurance policies known as "Medigap"plans. Our ClaimFree Standard Plan A MedicareSupplement Plan, Blue Cross Senior Classic CMedicare Supplement Plan; Blue Cross SeniorClassic F Medicare Supplement Plan; Blue CrossSenior Classic I Medicare Supplement Plan; andBlue Cross Senior Classic J Medicare SupplementPlanare supplement plans that help pay the billsMedicare does not, and provide you with protectionfrom the ever-increasing gaps in should I consider buying supplementalinsurance?

3 Before Medicare will pay for any of the medical servicesyou want or need, you must first pay Medicare'sdeductibles. When combined with the coinsurance youare also required to pay, you may be out hundreds, eventhousands of dollars before any benefits are paid byMedicare! These are bills you are expected to Advantages Are Yours With:!Blue Cross Senior Classic C MedicareSupplement Plan!Blue Cross Senior Classic F MedicareSupplement Plan!Blue Cross Senior Classic I MedicareSupplement Plan!Blue Cross Senior Classic J MedicareSupplement Plan!Freedom to use the doctor of your choice,including nearly 50,000 Prudent Buyer Physiciansandspecialists.

4 !Freedom to use the hospital of your choice,including more than 300 Participating Hospitals.!Pays allMedicare deductibles.*!Coverage for Skilled Nursing FacilityCoinsurance.!Benefits for Medicare Part A andB Coinsurance.!Benefits for Foreign Travel Emergency.!Full conventional Medicare benefits at allproviders, inside and outside California anywhere in the !You get to keep your Medicare card andyourright to basic Medicare benefits too!Blue Cross Senior Classic C Medicare SupplementPlan, Blue Cross Senior Classic F MedicareSupplement Plan, Blue Cross Senior Classic IMedicare Supplement Plan and Blue Cross SeniorClassic J Medicare Supplement Planare Medicare SELECT plans.

5 *Pays the Medicare Part A $992 deductible. Pays the Medicare Part B $131 annual deductible only when you use aParticipating Prudent Buyer Provider. Part B deductible is covered when using a non-participating provider inlimited circumstances, including emergency care. Medicare Part B deductible not covered for Blue Cross SeniorClassic I Medicare Supplement OF CHOICEYou ve earned the right to have a choice of the doctoror hospital you want to use, and we respect thatright. Our ClaimFree Standard Plan A MedicareSupplement Plan, Blue Cross Senior Classic CMedicare Supplement Plan, Blue Cross SeniorClassic F Medicare Supplement Plan, Blue CrossSenior Classic I Medicare Supplement Plan andBlue Cross Senior Classic J Medicare SupplementPlanoffer you access to the Prudent Buyer network,as well as any Medicare-participating physician andany Medicare-approved hospital in the state.

6 You arecovered whether or not you use a Prudent BUYER NETWORK OFPARTICIPATING DOCTORS AND HOSPITALSThe Prudent Buyer network offers you the choice of awide variety of physicians and hospitals convenientlylocated throughout the state to help you with all ofyour health care needs. This is the largest network inCalifornia, with over one half of all physicians andhospitals in the state being Participating PrudentBuyer Providers. Nearly 50,000 physicians and morethan 300 hospitals are Participating Prudent BuyerProviders, so there s a good chance that your currentphysician or hospital is already a member of AGAINST EXCESS CHARGESU nder Part B of Medicare, you could have out-of-pocket costs if your physician or medical supplierdoes not accept assignment of your Medicare claimand charges more than Medicare s approved difference to be paid is called the excesscharge.

7 Blue Cross Senior Classic F Medicare SupplementPlan, Blue Cross Senior Classic I MedicareSupplement Planand Blue Cross Senior Classic JMedicare Supplement Plancan save you theexpense and worry about paying significant out-of-pocket costs because of gaps in Medicare. When youutilize Blue Cross of California s Prudent Buyernetwork, your doctor s charges for Medicare scovered services are paid in full, and most plans alsocover the Medicare Part B deductible.* Even if youreceive medical services from a provider that is not amember of the Prudent Buyer network, your doctor scharges for Medicare s covered services are still paidin full, except for the Medicare Part B $131deductible, except in limited circumstances,including emergency SERVICEYou may never have to fill out another claim formever again.

8 Blue Cross of California has created away to put an end to the frustration caused byburdensome and tedious claim forms. It s calledClaimFree service, and we are the only health carrierin the state that provides you with this worry-freeautomatic claims payment service for both Parts Aand B of way it works is simple. When providers billMedicare, a computerized display of the informationis automatically sent to Blue Cross of California forprocessing. We then pay your doctor or hospitaldirectly. This results in your medical bills beingprocessed faster and more accurately.*Blue Cross Senior Classic I Medicare Supplement Plan covers excess charges but not the Medicare Part B $131 NETWORK VERSUS OUT OF NETWORK SERVICESWhen you receive services from a ParticipatingPhysician, Hospital, or other medical supplier that is amember of the Prudent Buyer network, this isreferred to as In Network.

9 When you receive services from any other physician,hospital, or medical supplier that is not a member ofthe Prudent Buyer network, this is referred to as Outof Network. Please note that there are financial and otheradvantages to making use of In Network servicesavailable to you through the Prudent Buyer remember, the decision to use or not use InNetwork services is up to you, so you re not locked DIRECTORIESYou will receive a directory listing the ParticipatingProviders in your area when you sign up for your you do not, you may call your agent or yourdedicated customer service unit, at 1-800-333-3883,and request a provider listing for your Cross of California products aredesigned to meet the health coverageneeds of people who are enrolled in bothParts A and B of Medicare.

10 Plus, youreceive the following benefits:!Affordable monthly plan premiums.!No annual maximums for Medicare-covered services.!Guaranteed renewable.!ClaimFree processing for all Medicareclaims.!Toll-free dedicated customer servicephone number: GREAT PLANS CHOOSE THE PLAN THATBEST MEETS YOUR NEEDSC laimFree StandardPlan A MedicareSupplement PlanBlue Cross SeniorClassic C MedicareSupplement PlanBlue Cross SeniorClassic F MedicareSupplement PlanBlue Cross SeniorClassic I MedicareSupplement PlanBlue Cross SeniorClassic J MedicareSupplement Plan123454 CLAIMFREE STANDARD PLAN A MEDICARE SUPPLEMENT PLANThis is our basic affordable Medicare supplement coverage with ClaimFree (Effective January 1, 2007)CoverageBasic BenefitsPart A Hospital (Days 61-90)YesLifetime Reserve Days (91-150)