2018 Medicare Plans

Understanding Medicare and choosing a health plan are not always easy. That’s why we’re here - to be your partner and help you along the way. BlueCross BlueShield of Western New York offers a variety of Medicare Advantage plans.

Not sure where to start or which options to choose? Call or chat online with us and we'll help you find the plan that fits your needs.

Medicare Advantage HMO Plans


nurse and patient senior blue HMO

With our BlueSaver (HMO) or Senior Blue (HMO) plan, you can choose from a $0 monthly premium plan or low monthly premium plans, as well as plans with or without prescription drug coverage. All of our HMO plans offer worldwide emergency care coverage, nationwide urgent care coverage, no medical deductibles, and no referrals.

Learn More


Medicare Advantage PPO Plans


older couple Forever Blue Medicare PPO

Our Forever Blue Medicare preferred provider organization (PPO) plans offer the freedom to see any doctor or hospital that accepts Medicare nationwide, worldwide emergency care coverage, no medical deductibles, no referrals, and prescription drug coverage. Choose a plan with a lower premium or a plan that allows you to pay in-network copays with participating doctors and hospitals when you travel.

Learn More


Optional Supplemental Dental Benefit

Medicare Couple

We have two optional supplemental dental benefits to choose from – basic or enhanced. With the basic plan, you pay $17 per month. With the enhanced plan, you pay $35 per month. The optional supplemental dental benefit can be added to your BlueSaver HMO, Senior Blue HMO or Forever Blue PPO plan. This optional benefit is not covered by Original Medicare or included in your plan. You also need to continue paying your Part B and Medicare Advantage premiums. 

Learn More



nurse and patient Medigap

Original Medicare pays for many, but not all, health care services and supplies. Medigap can help pay some of the health care costs (“gaps”) that Original Medicare doesn’t cover, like copayments, coinsurance and deductibles.

Learn More

Medicare Advantage Out-of-Network Coverage Rules

nurse and patient Medigap

Information about what services are covered out-of-network on our Medicare Advantage Plans.

Learn More

Need Assistance?

Phone Icon

1-800-248-9296  (TTY 711)

Oct. 1 - Feb. 14, 8 a.m. to 8 p.m., 7 days a week
Feb. 15 - Sept. 30, 8 a.m. - 8 p.m., Mon. - Fri.

Meet With Us Icon

Meet With Us

Find a Medicare Advantage meeting near you.

Request a Sales Kit Icon

Request a Sales Kit

Submit your request online or call us.

Our Star Rating:


PPO: Star Icon


PPO: Star Icon

To be eligible for enrollment in all our other Medicare Advantage plans, you must live in one of the following Western New York counties (must reside in Erie or Niagara County to enroll in Forever Blue Focus (PPO)):

  • Allegany
  • Genesee
  • Cattaraugus
  • Niagara
  • Chautauqua
  • Orleans
  • Erie
  • Wyoming

You may  enroll in a Medicare Advantage plan only during specific times of the year:

  • When you first become eligible for Medicare, the seven month period  beginning three months before you turn 65,
    the month you turn 65 and three months after you turn 65
  • If you get Medicare due to a disability
  • During the Annual Enrollment Period from October 15, 2017 and December 7, 2017

In most cases, you must stay enrolled for the calendar year that starts the date your coverage begins.

In certain situations, however, you may be able to join, drop or switch a Medicare Advantage Plan at other times. 
Some of these situations include the following:

  • During the  Medicare Advantage Disenrollment Period, between January 1 and February 14, you may drop your Medicare Advantage Plan and return to Original Medicare 
  • If you move out of the plan’s service area
  • If you have both Medicare and Medicaid
  • If you qualify for extra help to pay for your prescription drugs
  • If you live in an institution

If you have any questions, please call Customer Service at:

1-800-329-2792 TTY: 711

We are open:

October 1 - February 14

8 a.m. to 8 p.m., 7 days a week

February 15 - September 30

8 a.m. to 8 p.m., Monday-Friday

During non-business hours, your call will be answered by our automated phone system. A Customer Service Representative will return your call on the next business day.

Call Customer Service for help if you have questions or concerns. We also welcome any suggestions you may have for improving our plan or to make recommendations regarding the Member Rights and Responsibilities Policy (Please see the Member Rights and Responsibilities section of your Evidence of Coverage for more information).


This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or copayments/coinsurance may change January 1 of each year. The Formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary. You must continue to pay your Medicare Part B Premium.

Out-of-network/non-contracted providers are under no obligation to treat BlueCross BlueShield of Western New York members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services. 

Medicare evaluates plans based on a 5-star rating system. Star Ratings are calculated each year and may change from one year to the next.

BlueCross BlueShield of Western New York is a Medicare Advantage plan with a Medicare contract and enrollment depends on contract renewal.

A division of HealthNow New York Inc., and independent licensee of the BlueCross BlueShield Association. A salesperson will be present with information and applications. For accommodations of persons with special needs at sales meetings, please call 1-800-329-2792 (TTY 711). BlueCross BlueShield of Western New York complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-800-329-2792 (TTY: 711).

注意:如果您使用繁體中文,您可以免費獲得語言援助服務。請致電 1-800-329-2792 (TTY: 711).

Y0086_MRK1961 Approved
Content Last Updated October 1, 2017