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Frequently Asked Questions
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| | | Q: | With the Medicare supplemental plan that I have with BCBSVT, do I need to call or obtain prior approval before receiving any type of care? | | A: | Because Medicare is your primary insurer; you do not need to call or write-in for prior approval before receiving care, even if you get admitted to the hospital.
| | Q: | I'm traveling out of the country and I know Medicare does not pay for medical care I receive in another country, does my supplemental plan with BCBSVT pay for care I may need? | | A: | You will need to pay for all of your treatment if you need care in another country and you have Vermont Blue 65 Plan A with us. If you have Plan C, BCBSVT will pay 80% after you have paid a $250 deductible, up to a lifetime maximum of $50,000.
| | Q: | Why does BCBSVT sometimes send me a check instead of sending it to my doctor? | | A: | BCBSVT will reimburse you, instead of your doctor, when you see an out-of-state doctor who does not participate with us OR if you see a Vermont doctor who does not accept Medicare assignment. If you have not paid your doctor yet, you can deposit the check from BCBSVT and send him or her the money once you receive a bill.
| | Q: | What if either my spouse or myself are still employed? | | A: | If you’re still covered by an employer’s group health plan and want to put off enrolling in Medicare Part B, you can. In your case, you have up to eight months after you stop working and your group coverage ends to apply for Medicare Part B. (Otherwise, you must wait until a general enrollment period to do so.) To avoid missing the deadline, contact your Social Security office or Railroad Retirement Board before you plan to stop working. (If you or your spouse are still employed, you may be eligible for group coverage. Contact your group benefits manager about your options.) Please note that Medicare supplement insurance does not apply to your spouse or dependents.
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