Call Us
1-877-406-4823
ROCHESTER ZERO
OPTION A
Medicare Blue Choice Core (HMO) 2026
OPTION B
Medicare Blue Choice Prime (HMO) 2026
OPTION C
Medicare Blue Choice Optimum (HMO-POS) 2026
$0
$50
$215
No Deductible
No Deductible
No Deductible
$615 Deductible (Tiers 2-5)
$615 Deductible (Tiers 2-5)
$100 Deductible (Tiers 3-5)
$0
$0
$0
Urgent/Emergency Only
Urgent/Emergency Only
$3,000 OON (Calendar year). Applies to medical not Part D. Once benefit maximum is met, member is liable.
$10
$5
$0
$55
$40
$30
Preventive Dental Only, Optional Supplemental Buy-up
Preventive Dental Only, Optional Supplemental Buy-up
$500 annual allowance INN & OON, will pay up to dental fee schedule, Optional Supplemental Buy-up
$125
$150
$200
$5 - 25%
$5 - 25%
$0 - 37%
$0
$
$
$40
$40
$40
$115
$115
$115
$9,250 INN (calendar year). Applies to medical not Part D. After the maximum is met, all claims covered in full.
$8,000 INN (calendar year). Applies to medical not Part D. After the maximum is met, all claims covered in full.
$6,700 INN (calendar year). Applies to medical not Part D. After the maximum is met, all claims covered in full.
$
$
$
No Coverage
No Coverage
12 one way trips to health related location within 50 mile limit
50%/50%
80%/80%
Basic Restorative (Enhanced)
0%/0%
80%/80%
0%/0%
60%/60%
0%/0%
50%/50%/$1000 MAX
$500
$1,000
Annual Cost
OPTION A
OPTION B
$276.24
$642.12
$455.04
$1,057.92
$438.36
$1,019.76
$616.92
$1,435.56
Plan coverage 9/01/23 through 8/31/2024. Fall enrollment 9/1/23-10/15/23. Spring enrollment 1/1/24-2/15/24. .
How do I help a loved one find the right Medicare plan?
Helping a friend or family member as they navigate Medicare enrollment or switch plans can be overwhelming. Here are some resources to simplify the process and guide you along the way.
- Start by learning the basics. Our Medicare Minute Videos answer the most common Medicare questions in under a minute. Next, you can learn more about specific plan options available to your loved one by watching our Medicare Highlight Videos.
- To help your loved one choose the best plan for them, you’ll need to know the answers to a few important questions. Share this questionnaire with your loved one or sit down and go through it together. The answers will help you compare plan benefits and determine the amount of coverage they’ll need.
- If you’re a caregiver for a loved one, we have resources that can support you. Visit our Caregiver Support page or learn more about Advance Care Planning.
- When it comes to Medicare, sometimes you need to talk to someone face-to-face. Our local experts can guide you through the Medicare basics and answer any questions you have.
Are my prescription drugs covered?
$0 Tier 1 generic drugs are available on all Excellus BCBS Medicare plans, including more than 50 frequently prescribed medications. To find out how your prescriptions are covered, check our comprehensive list of covered prescription drugs (also known as the “formulary”).
When Can I Enroll In Medicare?
Watch our Medicare Minute Videos to learn more about initial enrollment and working past 65.
Once you’re enrolled in Medicare, you can change your Medicare coverage during the Annual Election Period from October 15 to December 7. If you enroll during AEP, your coverage will begin January 1st of the following year.
You may be able to join or switch plans under special circumstances that grant a Special Election Period. View our Medicare Advantage Timeline to learn more.
Is dental coverage included?
Yes! All Excellus BCBS Medicare plans include preventive and comprehensive dental coverage. This benefit covers 100% of preventive dental services, like cleanings, x-rays, and bitewings, as well as select services like restorative care or major procedures up to a $1,000 annual allowance.
Select plans also offer a flex card to use toward out-of-pocket dental, hearing, or vision expenses. Find your Medicare Plan to learn about the other benefits available to you, such as over-the-counter allowances.
What does the Star Plan Rating mean?
Each year, Medicare plans earn ratings on a one-to-five scale, with one star representing poor performance and five stars representing the highest quality rating a health plan can earn. Star Ratings are released annually and are based on member satisfaction, plan details, and overall performance.
The Star Rating is based on information collected from actual members like you, clinicians, and Medicare’s comprehensive monitoring process. Our Star Rating is a testament to how hard we work to help support your health and wellness. Our preventive health screenings, dedicated Medicare-only customer service department, and numerous health and wellness programs are just some ways in which we go above and beyond.
1-877-406-4823 (TTY 711), Open Monday - Friday from 8 a.m. to 8 p.m.*
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*From now until September 30. From October 1 to March 31, representatives are available 7 days a week from 8 a.m. to 8 p.m.
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Excellus BlueCross BlueShield is an HMO plan and PPO plan with a Medicare contract. Enrollment in Excellus BlueCross BlueShield depends on contract renewal.
Submit a complaint about your Medicare plan at www.Medicare.gov or learn about filing a complaint by contacting the Medicare Ombudsman.
Date Last Updated 04/01/2025
