Using Your Medicare Plan | Blue Cross and Blue Shield of Montana

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Using Your Medicare Plan

Blue Cross and Blue Shield of Montana wants you to get the most from your plan. Understanding how it works and having the right resources can help. Learn the details of what’s covered in your Blue Cross Medicare Advantage plan. Get the forms you need to order a directory, submit a claim, and more.

Understanding Your Claims

Your provider and pharmacist will usually file any claims for services or prescriptions you received. Once the claim is filed, you will receive an Explanation of Benefits from us.

  • Explanation of Benefits (EOB)
    This is a statement of services rendered. It is not a bill. It simply details what you have paid and the level of benefits you’ve used. How often you receive it depends on how often you will fill your prescriptions or see your providers. Review the details on your EOBs to be sure they are correct. If you think there are errors, call customer service. If you think you are the victim of fraud, report it immediately.
  • Coinsurance and Copays
    Some plans include coinsurance and/or copays when you receive care or prescriptions. These payments are your responsibility. Coinsurance and copays count toward your “Total Out-of-Pocket” expenses for the year.
    •  Coinsurance is the percentage of the bill. For example, your plan may include a 20% coinsurance for outpatient surgery. The provider may ask for this payment at the time of service or may send a bill afterwards.
    • Copays are a set amount you pay at the time of service. For example, a visit to a specialist in your network might include a $40 copay. Or, you may have a $10 copay for a prescription drug

Medicare Organization/Coverage Determination, Appeals and Grievances

Blue Cross Medicare Advantage Plans have processes in place to address Medicare coverage issues, complaints and problems. If you have issues, complaints or problems with your Medicare plan or the care you receive, you have the right to make a complaint. You can find more information on the Medical Care Appeals and Grievances page and on the Drug Coverage, Appeals and Grievances page.

If you would like to submit feedback directly to Medicare, please use the Medicare Complaint Form or contact the Office of the Medicare Ombudsman.

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