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If you decide to join a Medicare prescription drug plan and drop your coverage under the Plan, be aware that you may be subject to restrictions when you try to get the Plan’s coverage back. Refer to the Plan Document for information on applying for coverage.

You should compare your current coverage under the Plan, including which drugs are covered, with the coverage and cost of the plans offering Medicare prescription drug coverage in your area. Your current coverage pays for other health expenses, in addition to prescription drug expenses. You will not remain eligible for your current health care benefits if you choose to drop the Plan’s coverage to join a Medicare prescription drug plan.

You should also know that if you drop or lose your coverage with the Plan and don’t join a Medicare prescription drug plan after your current coverage ends, you may pay more to join a Medicare prescription drug plan at a later date. If after May 15, 2006, you go 63 days or longer without prescription drug coverage that’s at least as good as Medicare’s prescription drug coverage, your monthly premium will go up at least 1% per month for every month after May 15, 2006 that you did not have that coverage. For example, if you go nineteen months without coverage, your premium will always be at least 19% higher than what most other people pay.

You’ll have to pay this higher premium as long as you have Medicare coverage. In addition, you may have to wait until the next November to join.

For more information about this notice, contact Blue Cross & Blue Shield Customer Service at 1-800-709-7881.

NOTE: You may receive this notice at other times in the future such as before the next period you can join a Medicare prescription drug plan, and if this coverage changes. You also may request a copy.

You need to make a decision. For more information about your options under Medicare prescription drug coverage…

More detailed information about Medicare plans that offer prescription drug coverage will be available in October 2005 through the “Medicare & You 2006” handbook from Medicare. You may also be contacted directly by Medicare-approved prescription drug plans. You’ll get a copy of the handbook in the mail. You can also get more information about Medicare prescription drug plans from these places:

  • Visit www.medicare.gov for personalized help,

  • Call your State Health Insurance Assistance Program (see your copy of the

Medicare & You handbook for their telephone number), or

  • Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.


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