What is Flexi Blue?

Flexi Blue is a Medicare Advantage Private Fee-For-Service (PFFS) plan that offers you quality health care coverage with the choices and costs you’ve been looking for. Flexi Blue provides financial protection against unexpected hospital stays and ongoing medical expenses.  This plan is designed to cost you nothing unless you need health care services.  Flexi Blue gives you the ability to choose your health care providers anytime and anywhere you might need them.  

What is a Private Fee-for-Service Plan?

A Medicare Advantage Private Fee-for-Service plan works differently than a Medicare supplement plan.  Your doctor or hospital must agree to accept the plan’s terms and conditions prior to providing health care services to you, with the exception of emergencies.  If your doctor or hospital does not agree to accept our payment terms and conditions, they may not provide health care services to you, except in emergencies. 

Note:  Providers can find the plan's terms and conditions on our website at  www.bcidaho.com/providers

Does the plan cover more benefits than Medicare Parts A and B?

Yes.  Flexi Blue offers additional benefits including Part D Prescription Drug coverage, wellness services, preventive health care services, travel benefits and friendly, helpful customer service: Plus it provides you peace of mind during that unexpected hospital stay with a $1,250 maximum out-of-pocket per admission and a $5,000 out-of-pocket maximum for most benefits – all with a $0 premium.

Do I have to get services from specific providers?

No.  As a member of Flexi Blue, you can use any doctor, specialist, or hospital that accepts Medicare payment and terms and conditions. Just present your member identification care and the provider will submit your claim(s) directly to Flexi Blue for payment.  You don’t have to worry about whether they are part of a contracting network.  Choose the best medical treatment, specialist or facility whenever you need it; wherever you are.  Be free to travel with peace of mind, knowing that you can receive care anywhere.  Just present your Flexi Blue member ID card at the time of service.

You can also use providers who do not accept Medicare assignment.  These providers may charge you more for Medicare-covered services and you will be responsible for the excess charges.

What coverage do I have when I travel?

If you are traveling outside the United States and require emergency or urgent care, you can go to any health care facility. You pay either 20% of the cost for the emergency room visit up to $50. You do not this copayment if you are admitted to the hospital within 3 days for the same condition. Your coverage for services received outside the United States is limited to a $25,000 annually.

Note:  healthcare expenses incurred outside the United States do not apply to your $5,000 out-of-pocket maximum. 

Do I file my own claims?

No.  As a Flexi Blue member you have virtually no paperwork.  You simply present your member identification card to the provider.

Where can I get additional information?

You can visit the Medicare website at www.medicare.gov

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