Regence Medicare Supplements

Regence BlueCross BlueShield of Utah Medicare Supplement Advantages

When it comes to Medicare Supplement plans Regence BlueCross BlueShield of Utah, Regence BCBSU, has distinct advantages not enjoyed by other insurance companies:

  • Local Company – Local Offices. Our offices in Salt Lake City, Ogden, and Provo provide you with the opportunity to sit down with our trained Customer Service employees to discuss any questions or concerns about your Medicare or Medicare Supplement coverage.
  • Worldwide Name Recognition. Wherever you travel, your Regence BlueCross BlueShield of Utah member card will be instantly recognized and honored.

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Medigap Modernization

In 2003, Congress passed the Medicare Modernization Act (MMA) which created a voluntary Medicare prescription drug benefit (Part D). The MMA directed the National Association of Insurance Commissioners (NAIC) to make changes to its Medigap Model Regulation to conform to MMA and for states to adopt such changes into their laws and/or regulations. In 2008, Congress passed the Medicare Improvements for Patients and Providers Act (MIPPA), which finalized the changes into Federal Law. Here are some of the changes and timelines for implementation of the new (2010) modernized plans:

  • Elimination of Plans
    • Elimination of plans H, I and J (which contained prescription drug benefits prior to MMA)
    • Elimination of Plan E (as it becomes identical to Plan D once the Preventive Care benefit and the At Home Recovery benefit are removed)
  • Addition of new benefit plan options with higher cost sharing and lower premiums
    • Creation of new Plan M –with increased cost sharing
    • Creation of new Plan N –with a new copay structure
  • Modernization of benefits
    • Elimination of At-Home-Recovery benefits (which was offered only in Plans D, G, I and J) in favor of a new Hospice benefit to be added as a Core benefit to every plan
    • Elimination of the underutilized Preventive Care benefit (which was only offered in Plans E and J) in recognition of the fact that Medicare program now includes more significant preventive care benefits
    • Replacement of the 80% Part B Excess benefit in Plan G to 100%
  • Cut-off and underwriting
    • June 1, 2010 is established as the earliest effective date for coverage under a 2010 standardized plan policy, and as the cut-off for carriers issuing policies with the 1990 standardized benefit packages
    • Carriers are not required to offer existing policyholders the opportunity to exchange their existing policies for a 2010 policy without medical underwriting.


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