10-03MedExDrug.html

Medex Offers Plan with Limited Drug Benefit

Medex Core Plus is Blue Cross of Massachusetts' newest Medicare supplement Medex plan, recently approved by the Massachusetts Division of Insurance (DOI). It is intended to offer the same level of basic coverage as Medex Core and adds coverage for many preventative care services such as routine vision care, as well as a limited prescription drug benefit.

Special Medex Open Enroll-ment: October 15 - December 31, 2003

Take advantage of our special open enrollment by applying be-tween October 15 and December 31, 2003 for a January 1, 2004 start of coverage.

Medex Core Plus Eligibility

Applicants must meet all of the following requirements:

live in Massachusetts.
eligible for Medicare Part A and Medicare Part B and en-rolled in Medicare Part B
if under age 65, qualify for Medicare coverage because of disability, except for end-stage renal disease.

Medex Core Plus Rates

Use the chart below to compare Medex Core Plus Rates with that of other Medex Senior Plans.

Medex Senior Plans Comparison Chart

Medicare "Gaps"	Medex Core	Medex Core Plus	Medex Bronze	Medex Gold
Hospital Costs
Inpateint $840 Deductible	Not Covered	Not Covered	Covered	Covered
Daily $210/$420 Co-insurance	Covered	Covered	Covered	Covered
Daily $105 Skilled Nursing Facility Co-insurance - Days 21-100	Not Covered	Not Covered	Covered	Covered
Physician/Outpatient Costs
$100 Medicare B Calendar Year Deductible	Not Covered	Not Covered	Covered	Covered
20% Co-insurance After Deductible	Covered	Covered	Covered	Covered
Prescription Drugs
Prescription Drugs	Not Covered	Limited Benefit	Not Covered	Covered
Deductible	N/A	None	N/A	$35/Quarter
Coverage at Retail Pharmacies	N/A	Medex Pays: 50% Brand 50% Generic	N/A	Medex Pays: 80% Brand 100% Generic
Coverage at Mail Order Pharmacy (90-day supply)	N/A	Medex Pays: 70% Brand 70% Generic	N/A	Full Coverage after $15 co-payment Brand; $2 Generic
Benefit Limits	N/A	$150 per quarter for all Brand drugs only; no limit for Generic	N/A	None
Medical Care Outside U.S.	Not Covered	Covered	Covered	Covered
Monthly Rate	$72.76*	$157.24*	$124.42*	$417.56*

* Rates are effective January 1, 2004, and are subject to change effective March 15, 2005 pending approval by the Massachusetts Division of Insurance (DOI).

From: www.bcbsma.com/common/en_US/healthPlansIndex.jsp

-Thanks to ElderLaw News, Margolis & Associates 10/20/03.

10/03