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Frequently Asked Questions
Security 65®
Here are some of the most frequently asked questions concerning Security 65, a Medicare supplement insurance plan from Independence Blue Cross and Highmark Blue Shield:
1. May I choose my own doctors and hospitals?
2. How much paperwork is there?
3. Exactly how long is the preexisting-condition waiting period? I’m eager to switch plans.
4. Medicare changes every year. Does Security 65 meet those changes?
5. What is not covered by Security 65?
6. What if I have a question or problem? What kind of service can I expect?
7. Are there any plans that offer prescription drug coverage?
top of page1. May I choose my own doctors and hospitals?
Yes. Security 65 coverage gives you the freedom to choose the doctors and hospitals you want for your care.
2. How much paperwork is there?
Hardly any. With Security 65, there are no hospital or doctor claim forms and there’s virtually no paperwork to complete. We deal directly with contracting medical providers and pay them directly, so you won’t have the hassle of filing claims yourself.
3. Exactly how long is the preexisting-condition waiting period? I’m eager to switch plans.
If you’re currently covered by a Medicare supplement policy from another carrier or by a Blue Cross and Blue Shield policy, and you have already satisfied a preexisting condition waiting period under that policy, you will not be required to fulfill another. Also, if you have been enrolled in Medicare Parts A and B for six months, you will have satisfied the preexisting condition waiting period and you will not be required to fulfill another. For information regarding policies for members transferring from a Medicare Managed Care Program, please contact Customer Service at 1-888-926-1212.
4. Medicare changes every year. Does Security 65 meet those changes?
Absolutely, You can rest assured that your Medicare supplement protection will be up to date. Every time Medicare increases your share of the expenses, your Security 65 coverage will also be adjusted to cover those costs.
5. What is not covered by Security 65?
Security 65 helps to pay your share of the costs of Medicare-covered services. Services that are not covered by Medicare will not be covered by Security 65 — except where specifically listed in your Subscription Agreement or Outline of Coverage. Prescription drugs are not covered under Security 65, but stand-alone Part D prescription drug coverage is available with BlueRx.
To learn more about what Medicare covers, please refer to your Medicare and You handbook or call 1-800-MEDICARE (1-800-633-4227) (TTY/TDD 1-877-486-2048), 24 hours a day / 7 days a week.
6. What if I have a question or problem? What kind of service can I expect?
We offer one-on-one, personal service. Once you become a member, call our friendly, helpful Customer Service representatives at 1-888-926-1212, 8 a.m. to 6 p.m., Monday through Friday, or discuss your concerns with a representative face-to-face in our “Walk-In-Service” area. This is located on the ground floor of our building at 1901 Market St. in Center City Philadelphia. Members of our service team are available to help you from 8:30 a.m. to 4:30 p.m., Monday through Friday. Feel free to stop by — no appointment necessary.
7. Are there any plans that offer prescription drug coverage?
Members of Security 65 can purchase a stand-alone Medicare prescription drug plan. For more details contact us at 1-877-393-6733 (TTY/TDD 1-877-219-5457), 8 a.m. to 8 p.m., seven days a week.