Now you have another option when considering health insurance coverage – SmartSaver from Blue Cross Blue Shield of Georgia. SmartSaver is a Medicare Advantage Medical Savings Account (MSA) Plan that could be the most affordable and flexible health plan option available for Medicare eligible individuals in Georgia.
The SmartSaver Medicare Advantage Plan
SmartSaver is a Medicare Advantage plan offering all the coverage included in Medicare Part A and Medicare Part B, with no monthly plan premiums.
What is a Medical Savings Account (MSA)?
SmartSaver is a Medicare Advantage high deductible health insurance plan that is designed to link with a personal Medical Savings Account (MSA) to help you manage how you pay for your medical expenses.
How it works
A MSA is a savings account established in your name that will link to a qualified healthcare plan. You must purchase the health insurance policy before funds can be deposited into your MSA account and used to pay for your healthcare services.
What are the Advantages of choosing the SmartSaver MSA Plan?
| SmartSaver coverage begins with a pre-funded Medicare MSA account in your name with ACS/Mellon Bank. |
| MSA funds are immediately available to pay for healthcare services that you receive. |
| You have the freedom to choose your own doctors, specialists and hospitals. |
| You may use your MSA funds to pay for some medical expenses that Medicare does not cover. |
| SmartSaver has no monthly plan premiums. |
| Once your yearly deductible has been met, you have 100% coverage for Medicare-covered services at the Medicare-allowed amounts for the remainder of the year.|
SmartSaver does not provide Medicare Part D prescription drug benefits, however, you may add this coverage by joining a Medicare prescription drug plan.
You have the choice between three different prescription drug plan options. For more information, please visit our Blue MedicareRx
Web site for additional information.
SmartSaver is a Medicare Advantage Medical Savings Account Plan with a Medicare Contract. Blue Cross Blue Shield of Georgia’s contract with The Centers For Medicare & Medicaid Services is renewed annually and availability of coverage beyond the end of the contract year is not guaranteed. The benefits, premiums, copayments and service areas for SmartSaver are subject to change annually upon contract renewal with the Medicare Program.
Who is Eligible to Apply for SmartSaver?
You are eligible to apply for SmartSaver if you are:
| A resident of the state of Georgia and live within the SmartSaver service area. |
| Entitled to Medicare Part A.* |
| Enrolled in Medicare Part B and you do not have End-Stage Renal Disease. |
To remain eligible for SmartSaver, you must maintain Medicare Part A and continue to pay your Part B premiums. You must also maintain your MSA account.
*If you are not entitled to Medicare Part A benefits, you can purchase Part A through the Social Security Administration. (If you do purchase Part A, you must also continue to pay your Part A premiums to remain eligible for SmartSaver.)
You are NOT eligible for SmartSaver if you receive health benefits from:
| An employer-sponsored health plan. |
| The Medicaid program. |
| The Veterans Administration. |
| Any other program that would cover healthcare costs before you reach the SmartSaver plan deductible. |
When May I Enroll in SmartSaver?
SmartSaver members must submit enrollment applications for a first effective date of January 1, 2008. SmartSaver must receive your enrollment application and your Mellon MSA Bank application by December 31, 2007 in order to process you for a January 1, 2008 effective date. For those who become eligible for Medicare after January 1, 2007, you may enroll in SmartSaver for 2008 with your eligibility date as your effective date.
How to Enroll
Please note: SmartSaver MSA is no longer accepting new enrollments at this time.
For more information about plans available in your area, contact your BCBSGA agent or click here
to contact BCBSGA’s New Enrollment department.
You will also need to review the following items:
You may apply for Medicare Part D prescription drug coverage as well by including a completed Medicare Part D application. Click here for more details
As a member of SmartSaver, you may see and obtain services from any licensed physician, hospital, or other provider who can provide services to Medicare beneficiaries and who is willing to accept the terms and conditions of the plan.
The SmartSaver Plan is available in Georgia.
To find the Service Area for your MSA Plan please refer to the Summary of Benefits
Please call your agent or Blue Cross and Blue Shield of Georgia for more information about this plan.
Customer Service Hours: Monday through Friday, 7:00 a.m. to 8:00 p.m. Pacific Time
Current members should call 1-888-445-8916 through December 31, 2007, or 1-866-497-3981 beginning January 1, 2008. (TTY/TDD 1-800-425-5705)
Prospective members should call 1-888-211-9817 (TTY/TDD 1-800-241-6894) 8 a.m. to 8 p.m., 7 days a week, or your independent agent.
© Blue Cross and Blue Shield of Georgia, Inc.is an independent licensee of the Blue Cross and Blue Shield Association. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association.
CMS Approved Date 11/2007, Material Identification M0013_08_200
Last Updated 11/2007