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Blue Cross Group Medicare Options℠

Many companies provide employer-sponsored Medicare coverage options to their retirees. These retiree options include Medicare Advantage plans.

Richer Benefits, Lower Costs

Employer-sponsored plans are often custom designed with rich benefits and lower retiree expenses than individual Medicare plans, and they are usually offered to both retirees and their Medicare-eligible spouses. Many employers help their retirees with subsidies to reduce premiums and cost-sharing.

Employer-Sponsored Medicare Plan Options

Retirees may be offered these plans: 

Blue Cross Group Medicare Advantage Open Access (PPO)SM Plan

Choose providers that accept Medicare nationwide without network restrictions at the same benefit levels for in and out of network providers. Providers must 1) accept Medicare; 2) agree to see you as a patient; and 3) agree to bill Blue Cross and Blue Shield of Montana (BCBSMT). You must continue to pay your Part B premium.

Blue Cross Group Medicare Advantage (PPO)SM Plan

See providers both in and out of network. Care provided by a network provider will likely cost less than if you see an out-of-network provider. You do not have to choose a Primary Care Provider and can get care from a specialist without a referral. You must continue to pay your Part B premium.

Next Steps

BCBSMT members can easily move from their employee plan to their group retiree Medicare plan. If you are retiring soon or becoming eligible for your retiree group Medicare plan, please contact your Human Resources department or benefit administrator to learn about your plan options and how to enroll. 

Learn more about Medicare Basics.

Last Updated: Nov. 21, 2022