Name of Manual - Blue Cross and Blue Shield of Minnesota

Health Care Options
Senior Gold SM Senior Gold, also referred to as the Medicare Select plan, offers
seniors comprehensive coverage within the Blue Cross
participating provider network and the freedom of choice
associated with fee-for-service plans. Senior Gold has been, and
continues to be, our most popular Medicare supplemental product.
Members receive the highest level of benefits for services in the
participating provider network and also have excellent coverage
when traveling. There are no copays or deductibles for services
received from Blue Cross participating providers. Senior Gold also
offers optional preventive screenings and services not covered by
Medicare. Senior Gold members enrolled in the optional
prescription drug coverage prior to January 1, 2006 may retain that
coverage, however; that coverage is not creditable according to
Medicare guidelines. The optional prescription drug coverage is
not available to new Senior Gold enrollees (those enrolling after
December 31, 2005).
On claims where assignment is taken, Blue Cross pays Medicare
coinsurance and deductible only. Under this plan, Medicare is the
primary payer. Claims must be submitted to Blue Cross with a
copy of the Medicare RA form.
This product is also available for fully insured employer groups to
purchase for their Medicare eligible members. The logo on the
member ID card for any such group members will be prefaced
with “Group”. Benefits may vary by group.
Blue Cross and Blue Shield of Minnesota Provider Policy and Procedure Manual (12/27/10) 5-11