Anthem

• Medicare Options
• Medication Therapy Management Program
• Supplemental Dental and Vision Insurance

Medicare Options

Anthem BlueCross BlueShield offers Dual Eligibility Medicare Special Needs (DSNP) insurance, Medicare Advantage (Part C), Prescription Drug (Part D), and Medicare Supplement Insurance (Medigap).

DSNPs offer combined Medicaid and Medicare plans for individuals who qualify for both Medicare and Medicaid services.

Anthem's Medicare Advantage plans are available with a Health Maintenance Organization (HMO) or a Preferred Provider Organization (PPO) network. These plans offer coverage for hospital costs and medical care.

HMO plans generally only offer coverage for in-network treatment. PPO plans offer some coverage for out-of-network services, but has even better coverage for in-network services. These network options allow Anthem members to choose a network system that best meets their needs.

While Medicare Advantage plans offer some coverage for prescriptions, Part D offers more comprehensive coverage. Because Anthem offers both Part C and Part D, people don't have to purchase two health insurance plans from separate insurers.

Medigap plans offer additional cost-sharing for out-of-pocket medical expenses from Original Medicare (Part A and Part B). It can help with copayments, coinsurance, and help cover medical care abroad. Anthem also offers SilverSneakers ® participation to all members who enroll in a Medicare supplement plan.

The SilverSneakers ® program offers access to participating gyms or a home fitness kit to help people continue to exercise and be active.

Medication Therapy Management Program

Anthem also offers a Medication Therapy Management Program to some of its members. This program helps Anthem members understand how their medications function by meeting with a pharmacist and providing a medication review every three months.

Participation in Anthem's program is optional, so eligible individuals can opt out of this complimentary service if they would like to.

To qualify for the program, Medicare beneficiaries must be enrolled in a Part D prescription drug coverage plan, have three or more chronic conditions, and take over eight daily medications. Individuals must also meet certain prescription drug expenses threshold. The threshold varies by plan.

Supplemental Dental and Vision Insurance

Medicare Advantage plans offer coverage for emergency dental and eye treatment. For preventive care, individuals will need to enroll separate dental and vision insurance plans.

Anthem offers these kinds of plans. The insurer's supplemental dental plans cover cleanings and restorative care, like fillings. Its supplemental vision plans cover eye exams, glasses, lenses, and contacts.

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• Insufficient Customer Insight
• 2015 Data Breach
• No Medicare Part A or Part B
• Limited Availability

Insufficient Customer Insight

Anthem BlueCross BlueShield has not recieved many customer reviews on Best Company. A full recommendation based on the customer experience is not available. 

Unfortunately, Anthem's reviews are mostly negative. While inconclusive, this is not a good sign. Complaints include issues with customer service, coverage, and claims.

2015 Data Breach

Anthem experienced a data breach in 2015. This data breach affected 78.8 million Anthem members.

The settlement reached allows individuals affected by the data breach can receive help with credit monitoring and identity protection. It also provides monetary compensation for related lawsuits.

Since the breach, Anthem has upgraded its security features so that its members' information is better protected.

No Medicare Part A or Part B

Anthem does not offer Medicare Part A or Part B. However, Medicare Part C combines coverage offered by both Parts A and B. Medicare Advantage plans allow people to pay one monthly premium instead of separate monthly premiums for Part A and Part B.

Shoppers interested in purchasing Part A and Part B will need to enroll in Medicare through Social Security.

Limited Availability

Anthem Medicare plans are only available in 14 states: California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, New Hampshire, Nevada, New York, Ohio, Virginia, and Wisconsin.

If you do not live in one of these states, Anthem Medicare insurance is not an option for you. However, Anthem is part of BlueCross BlueShield, so potential clients may be able to find coverage options through another BlueCross BlueShield subsidiary.