We’ve listened to your feedback and enhanced many benefits, cut your out-of-pocket costs and kept your premium at zero. We’ve also combined both Medicare HMO products (Medicare & More and ActivelyYou) and renamed the new plan. The new name: BlueMedicare HMO.

If you’re a Medicare & More or ActivelyYou member, don’t worry about a thing; the name change does not affect your continuing coverage. You do not have to re-enroll to receive all these new health benefits and enhancements.

Our aim is to deliver innovative, high-quality, competitive products and solutions distinctly tailored to the lifestyles and expectations of Florida’s seniors and other Medicare beneficiaries—no matter how your needs may change. This includes increasing member convenience, choice and satisfaction.

For 2007, BlueMedicare HMO members can enjoy these great benefit enhancements:

• Zero monthly premium
• Zero copays for primary care physician office visits—a $15 savings at each visit
• Reduced copays for specialist office visits—now $15—and hospital inpatient services reduced to $150 per day, days one through five of your stay
• New dental benefits—with preventive care covered at no cost to you

Most referrals to specialists eliminated
We’ve also made accessing specialists easier than ever. As of Jan. 1, 2007, you no longer need a referral from your primary care physician (PCP) to see specialists who participate in the Health Options network. If a non-contracting specialist is required, your primary care physician will request a referral authorization from Health Options. Please note this does not change the participating Health Options provider’s responsibility to obtain authorization for certain medical services.

Highlights of 2007 BlueMedicare HMO Benefits
Physician Office Visits	You pay:
Primary care (per visit) Specialist care (per visit)	$0 $15
Emergency Care
Each visit to hospital ER	$50; waived if admitted
Other Services
Outpatient surgery Outpatient services (excluding mammograms)	$0–$250 $0–$250
Inpatient Care
Inpatient hospital care (includes substance abuse and rehabilitation services)	$150 per day (days 1–5); $0 per day (days 6–90) for a Medicare-covered stay in a network hospital

Rx benefits improved
Your pharmacy benefit includes a comprehensive list of covered drugs. But we’re improving your pharmacy plan, too—adding coverage and cutting costs. In 2007, you’ll enjoy:

• Zero deductible—we’ve eliminated the $100 deductible on preferred and non-preferred brands
• $25 copay for preferred brand-name drugs—a savings of $5 per prescription
• $40 fixed copay for nonpreferred brand drugs instead of 40 percent coinsurance, so you’ll know exactly what your out-of-pocket cost will be
• Added coverage for certain generic drugs excluded under the Medicare Part D drug program, including prescriptions for cough and cold medications, anticonvulsants, barbiturates and benzodiazepines
• Coverage for generic drugs through the coverage gap, including certain generic drugs excluded under the Medicare Part D drug program (listed above).

And, of course, we provide a vast network of participating pharmacies, including chain and independent pharmacies, as well as mail-order pharmacy services for your convenience.

2007 BlueMedicare HMO Rx Benefits1
Pre- scription Drug Type	Generic 2 Drugs	Preferred Brands	Non- Preferred Brands	Specialty3 Drugs
Your Deductible	$0
When your total drug cost4 is $0–$2,400, you’ll pay:	$5 Copayment	$25 Copayment	$40 Copayment	25% of the Cost
When your total drug cost4 exceeds $2,400, and until your out-of-pocket costs reach $3,850, you’ll pay:	$5 Copayment	100%
When your out-of-pocket drug cost exceeds $3,850, or your covered Part D total drug cost4 is $5,451.25 or more, you’ll pay:	Greater of $2.15 copayment for generics (including brand drugs treated as generics) or 5% of the cost	Greater of $5.35 copayment or 5% of the cost

1 The BlueMedicare Rx HMO plan includes an “Open Formulary” (i.e., all Medicare-required drugs are covered).
2 Certain generic prescription drugs excluded under the Medicare Part D drug program are covered under Options 1 and 2 (cough, cold, anticonvulsant, barbiturate and benzodiazepine drugs).
3 Specialty drugs are unique, very high-cost drugs.
4 Total drug cost is based on your out-of-pocket costs and what Blue Cross and Blue Shield of Florida/Health Options pays. The pharmacy benefits are only available at the plan’s network pharmacies except under emergency circumstances.

Look for full information coming in your mailbox soon. If you have any questions, feel free to call us toll-free at the number below.

(800) 926-6565
Seven days a week, 8 a.m.– 9 p.m. ET (TTY/TDD users, dial 711.)

Need Help With Costs?
You may be able to get extra help to pay for your prescription drug and premium costs. To see if you qualify, call:

• Medicare: (800) MEDICARE (800-633-4227), 24 hours a day/7days a week; TTY/TDD users call (877) 486-2048;
• Social Security Administration, (800) 772-1213, 7 a.m.–7 p.m., Mon.–Fri.; TTY/TDD users call (800) 325-0778; or
• Florida Medicaid Information, (866) 762-2237, 24 hours a day/7 days a week; TTY/TDD users call Florida Relay, 711.