Common Questions About Secure Blue

What is Secure Blue?

Secure Blue is a Medicare Advantage PPO plan that offers you quality health care coverage with the choices you’ve been looking for.  Secure Blue provides financial protection against an unexpected hospital stays and ongoing medical expenses.  This plan is designed with affordability and choice in mind.   Once you meet your in-network and/or out-of-network maximums, the only additional health care costs you will pay for covered benefits is your low monthly premium!  It gives you the option to choose your health care providers and provides peace of mind by supplying protection above and beyond original Medicare.

What is a Medicare Preferred Provider Organization?

A Medicare Preferred Provider Organization (PPO) is a Medicare Advantage Plan offered by a private insurance company that signs a contract with Medicare.  Medicare pays a set amount of money to these private health plans for your health care.

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

Yes.  Secure Blue offers additional benefits: Eye Care Services and Health/Wellness Services.  Plus it provides you peace of mind during that unexpected hospital stay with a $1,500 in network and $3,000 out of network out-of-pocket maximums.

Do I file my own claims?

No.  As a Secure Blue member you have virtually no paperwork.  You simply present your member identification care and the provider will submit your claim(s) directly to Secure Blue for payment.

Do I have to get services from specific providers?

No.  You can go to doctors, specialists and hospitals in or out of the network.

However, you can significantly reduce your out-of -pocket costs by receiving services from  in-network providers.

Will I need to get prior authorization?

We encourage you to obtain prior authorization for non-plan providers.  This helps ensure that the services are medically necessary and keeps you from incurring any unexpected costs or expenses.  Prior authorization is also needed for certain in-network services:  inpatient hospital care, inpatient mental health care, skilled nursing facilities, home health care, physical, occupational and speech therapy and durable medical equipment – for items greater than $300, including rent to purchase items.

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