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Notice for Medicare Recipients

Traditional Blue Cross^® and Blue Shield^® Plans

This Insurance Duplicates Some Medicare Benefits

This is not Medicare Supplement Insurance.
This insurance pays limited reimbursement for expenses if you meet the conditions listed in the policy. It also pays a fixed amount, regardless of your expenses, if you meet other policy conditions. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement Insurance.

This insurance duplicates Medicare benefits when:

• Any expenses or services covered by the policy are also covered by Medicare.

OR

• It pays the fixed dollar amount stated in the policy and Medicare covers the same event.

Medicare generally pays for most of these expenses. Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:

• Hospitalization
• Physician services
• Hospice care
• Other approved items and services

Before You Buy This Insurance:

• Check the coverage in all health insurance policies you already have.
• For more information about Medicare and Medicare Supplement Insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company.
• For help in understanding your health insurance, contact your state insurance department or state senior insurance counseling program.

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