Medicare

2018

Let's find the best plans for you

Let’s find the best plans for you

To help you get started finding the right 2018 BlueCHiP for Medicare plan, we just need you to answer a few quick questions and we will provide you with some suggested plans that may fit your needs. You can research and purchase any of our plans here on our website, or learn more by speaking to a qualified Medicare representative or at one of our Your Blue Store locations.

These questions are designed to help you choose a plan. We do not use your answers for any other purpose. Your answers will not affect your ability to get coverage or your monthly premiums. You can choose any plan we offer, not just the plans we recommend.

1

Step 1 of 4

Priorities

Do you prefer to pay a lower monthly premium if it means you would pay a little more when you go to a doctor or hospital?

Consider how often you might use doctors and labs over the next year, as well as how any premiums fit into your budget.

Why do we ask this question?

Why we ask this question

Plans with a lower premium usually have higher out-of-pocket costs (i.e. deductibles, coinsurance, and copayments) when services are required. Plans with a higher premium typically have lower costs. This question helps us decide whether you would be comfortable with a plan that requires a higher level of copay and out-of-pocket costs when you receive services in exchange for a lower premium.

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2

Step 2 of 4

Out of state doctor

Do you need to see doctors outside of Rhode Island in non-emergency situations?

Different plans provide various levels of coverage for out-of-state services.

Why do we ask this question?

Why we ask this question

Some plans do not offer coverage outside of Rhode Island. If you’re already seeing providers outside of the state or if you regularly travel, you may prefer to have a plan that provides coverage for these services.

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3

Step 3 of 4

Prescriptions

Would you rather pay less each time you fill a prescription if it meant you would have to reach a higher annual deductible for pharmacy?

Consider how often you might fill prescriptions over the next year, as well as how any deductibles fit into your budget.

Why do we ask this question?

Why we ask this question

Plans with lower (or no) pharmacy copayments usually have higher pharmacy deductibles. Plans with higher pharmacy copayments typically have lower pharmacy deductibles. This question helps us decide whether you would be comfortable with a plan that requires a lower level of pharmacy copayments when you receive services in exchange for higher pharmacy deductibles.

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4

Step 4 of 4

Chronic Conditions

Do you have an ongoing medical condition that you are currently managing?

Managing conditions like diabetes, asthma, or heart disease can require repeated doctor visits, and some plans can help you manage both your health and the cost of those visits.

Why do we ask this question?

Why we ask this question

Managing chronic conditions, for example diabetes, COPD, or some cancers, takes a great deal of effort on your part. You want a health plan designed to cover these conditions. So you worry less about what costs are covered, and you can focus more on your health.

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It’s OK to change your mind.

Adjust your answers and see if other plans would work better for you.

1

Priorities

Do you prefer to pay a lower monthly premium if it means you would pay a little more when you go to a doctor or hospital?


2

Out of state doctor

Do you need to see doctors outside of Rhode Island in non-emergency situations?



3

Prescriptions

Would you rather pay less each time you fill a prescription if it meant you would have to reach a higher annual deductible for pharmacy?


4

Chronic

Do you have an ongoing medical condition that you are currently managing?

Try these plans

Based on your answers, we think these plans might work for you.

Compare these plans

Sometimes it's helpful to compare side by side, so have a look.

We can send these recommendations to you to review later.

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