ClaimFree®' Standard Plan A Blue Cross Senior ClassicSM C Blue Cross Senior Classic F Blue Cross Senior Classic I Blue Cross Senior Classic J

Unique Plans That Fill the Gaps in Medicare

	Affordable monthly premiums
	No annual maximums for Medicare-covered services
	Guaranteed renewable
	ClaimFree®' processing when using plan providers
	Toll-free dedicated customer service phone number

Unlike Health Maintenance Organizations (HMOs), which require that a specific Primary Care Physician authorizes all medical services outside the scope of his or her office,  a Preferred Provider Organization (PPO) allows members to choose their own physician and specialist any time, anywhere within the provider network. Blue Cross of California's ClaimFree Standard Plan A, Blue Cross Senior Classic C, Blue Cross Senior Classic F, Blue Cross Senior Classic I and Blue Cross Senior Classic J provide their members a network of nearly 40,000 physicians statewide.

The Advantages are Yours With:

	Freedom to use the doctors of your choice, including nearly 40,000 Participating Prudent Buyer®' Physicians, plus specialists.
	Freedom to use the hospital of your choice, including more than 300 Participating Hospitals.
	Pays all Medicare deductibles.*
	Coverage for Skilled Nursing Facility coinsurance.
	Benefits for Medicare Part A and B coinsurance.
	Benefits for Foreign Travel Emergency.
	Prescription Drug Benefits, including a convenient Mail Order Program, are available with the Blue Cross Senior Classic I and Blue Cross Senior Classic J plans.
	Full conventional Medicare benefits at all providers, inside and outside California -- anywhere in the U.S.
	You get to keep your Medicare card and your right to basic Medicare benefits too!

* All Blue Cross Senior Classic Plans pay the Medicare Part A $792 deductible. All Blue Cross Senior Classic Plans, with the exception of the Blue Cross Senior Classic I Plan, pay the Medicare Part B $100 annual deductible when you use a Participating Prudent Buyer Provider.

Medicare, Blue Cross of California and You

* Published yearly by the Health Care Financing Administration (HCFA) of the U.S. Department of Health and Human Services.

* After a $5 office visit co-pay when using a  Participating Prudent Buyer Provider, up to a maximum out-of-pocket expense of $100 per year.

** Part B $100 annual deductible covered only when using a Participating Prudent Buyer Provider.

*** Prescription drug benefit covered only when using a Participating Pharmacy or Mail Order Program: Combined $250 annual deductible, 50% coinsurance, $1,250 maximum annual benefit for Blue Cross Senior Classic I, $3,000 maximum annual benefit for Blue Cross Senior Classic J.

These plans are intended only for people age 65 or older, who are enrolled in both Parts A and B of Medicare.

Call your agent or Blue Cross of California today for complete information, including conditions, limitations and exclusions of coverage. Do not apply for one of these plans before you have reviewed and understand that additional information.

Not connected with or endorsed by the U.S. Government or the Federal Medicare program.

Blue Cross Senior Classic C, Blue Cross Senior Classic F, Blue Cross Senior Classic I and Blue Cross Senior Classic J are Medicare SELECT plans.

Copyright © 2001 Geldin Insurance Services, CA Lic# 0B51887. Geldin Insurance Services provides a free service and is not an insurance company.
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