Comprehensive Review of Excellus BlueCross BlueShield Medicare Insurance in 2023
Get an in-depth review of Excellus BlueCross BlueShield's Medicare insurance offerings for 2023 to make informed decisions about your healthcare coverage.
Here is a comprehensive review of Excellus BlueCross BlueShield's Medicare insurance offerings for 2023:
Overview
- Nonprofit health insurer serving upstate NY
- Offers Medicare Advantage and Part D plans
- Service area includes 31 counties in New York
Medicare Advantage Plans
- Several HMO and PPO plans available
- Premiums range from $0 to $175 per month
- Most plans include dental, vision, hearing benefits
- Many plans offer $0 copays for PCP visits
- Part D prescription drug coverage included
Part D Standalone Plans
- 5 prescription drug plans available
- Premiums range from $47 to $158 per month
- Offer nationwide coverage
- Vary in tiered copay amounts and deductibles
Pros
- Broad provider networks in upstate NY service area
- Competitive premiums and copays
- Additional benefits like dental/vision/hearing
- Strong customer service reputation
Cons
- Only available in certain counties of NY
- Out-of-network costs more on PPOs
- Mixed reviews of drug coverage
Overall, Excellus BCBS provides low cost Medicare Advantage and Part D plans to Upstate NY residents. The plans offer robust coverage and benefits compared to basic Medicare.
Excellus BlueCross BlueShield Medicare Insurance Review 2023.
Excellus BlueCross BlueShield is a nonprofit Blue Cross Blue Shield plan with deep roots in upstate New York. It is one of the largest Medicare Advantage plans in New York, offering a wide variety of plan options. Excellus BlueCross BlueShield Medicare plans have consistently received high star ratings from the Centers for Medicare and Medicaid Services (CMS), with an average of 5.0 stars in 2023.
Excellus BlueCross BlueShield Medicare plans offer a variety of benefits, including:
- Comprehensive medical coverage, including preventive care, doctor visits, hospital stays, prescription drugs, and more
- Extra benefits, such as dental, vision, and hearing coverage, fitness programs, and transportation assistance
- Low out-of-pocket costs, with many plans offering $0 deductibles and copays
- A large network of providers, including many top-rated hospitals and doctors
Excellus BlueCross BlueShield Medicare plans are a good option for seniors who are looking for a high-quality, affordable Medicare Advantage plan. However, it is important to compare different plans to find the one that best meets your individual needs and budget.
Here are some of the pros and cons of Excellus BlueCross BlueShield Medicare insurance:
Pros:
- High star ratings from CMS
- Wide variety of plan options
- Low out-of-pocket costs
- Large network of providers
- Strong customer service
Cons:
- Premiums may be higher than some competitor plans
- Some plans may have limited coverage for out-of-network care
Overall, Excellus BlueCross BlueShield Medicare insurance is a good option for seniors who are looking for a high-quality, affordable Medicare Advantage plan. However, it is important to compare different plans to find the one that best meets your individual needs and budget.