With 40 million members, Anthem is the largest for-profit managed healthcare company within the Blue Cross Blue Shield Association (a federation of 35 different US-based health insurance companies).
In addition to Medicare plans, Anthem offers a number of individual, family, and Medicaid health insurance options.
Anthem Medicare Plans Available
Anthem offers two Medicare plans: Medicare Advantage or Medicare Supplement insurance. These offerings help cover what Original Medicare (Parts A and B) does not.
Which type of Medicare plan is right for you depends on your coverage needs, as well as other qualifying factors, such as whether you receive disability benefits.
Original Medicare is made up of Medicare Parts A and B. This type of Medicare coverage covers hospital stays and routine check-ups. Most U.S. residents get Original Medicare when they turn 65.
While Original Medicare care does offer comprehensive coverage, it does not cover a number of medical needs, such as vision and dental care, some prescription drugs, and hospital stays lasting longer than 90 days. There are supplementary Medicare plans that may help you cover these costs.
Medicare Part A
Part A Medicare insurance is known as hospital insurance. It covers skilled nursing care, a certain percentage of inpatient hospital stays (up to 150 days), and hospice care, as well as some in-home care.
Medicare Part B
Part B Medicare comprises general medical insurance and covers 80% of doctor visits, preventive care (including some shots and screenings), outpatient services, some medical supplies, tests, and X-rays, smoking cessation counseling, and some nutrition counseling, for those with diabetes.
Anthem Medicare Advantage (Part C)
Medicare Part C, also known as Medicare Advantage, combines Medicare Parts A and B, plus Medicare Part D, which covers prescription drugs. This package can be purchased from Anthem by those already enrolled in Original Medicare but have not already enrolled in Part D or do not have drug coverage from an employer or union.
Anthem offers two Medicare Advantage plans: Anthem MediBlue HMO and Anthem MediBlue PPO. With an HMO plan, enrollees may choose a primary care physician from Anthem’s approved network list; a PPO plan allows enrollees to see any doctor or specialist within this network without needing a referral.
Anthem Medicare Part D – Drug Plans
Medicare Part D covers prescription medication that is not otherwise covered by Original Medicare (Parts A and B). Anthem Medicare offers two Part D drug plans: MediBlue Rx Standard Part D Plan, and the MediBlue Rx Plus Part D Plan.
The MediBlue Rx Standard Part D Plan offers $1 to $4 copays on most generic medications (select list of drugs covered) at their preferred pharmacies, with deductibles starting at $0. TheMediBlue Rx Plus Part D Plan offers $1 to $4 copays on most generic drugs (Broad list of covered drugs) at their preferred pharmacies, with deductibles starting at $0.
Medicare drug plans cannot be purchased by those who already have drug coverage from an employer or union.
Anthem Medicare Supplement Plans
Medicare supplement plans, also known as Medigap, can help cover fees and costs not covered by Original Medicare or Medicare Advantage. These plans are ideal for those who may need lengthy hospital stays, or whose medical and hospital fees are generally higher.
Plan A is the most basic of all Medigap plans, with low premiums. It’s also your only option if you don’t want your coverage to include the Part A deductible.
The good news is that you can get Plan F, which helps cover Medicare deductibles and some copayments. The bad? It’s only available if your eligibility for the program was established before 2020.
Medigap Plan G boosts hospital and medical coverage and adds foreign travel emergency coverage and Part B Excess Charge coverage.
Plan G is a great option for people who need help with their out-of pocket costs. It covers everything not covered by Original Medicare, except for the Part B deductible.
Enrolling in Anthem & Open Enrollment Period
There are several different enrollment periods for Medicare plans, depending on your age and plan needs.
Initial Enrollment Period
This is when you can sign up for a plan
- Begins 3 months before the month you turn 65
- Ends 3 months after the month you turn 65
Medicare Open Enrollment Period
This is when you can sign up for a plan, switch a plan or leave a plan
- Begins October 15th
- Ends December 7th
Special Enrollment Period
Special enrollment periods allow you to enroll outside the regular enrollment periods under specific circumstances.
General Enrollment Period
This is when you can sign up for Medicare Part A and/or Part B if you didn’t sign up when first eligible or if you’re not qualified for a Special Enrollment Period.
- Starts January 1st
- Ends March 31st
Medicare Advantage Open Enrollment Period
This is when you can switch or leave a Medicare Advantage Plan
- Starts January 1st
- Ends March 31st