Blue Cross Blue Shield Medicare Supplement Plans 2023
Blue Cross Blue Shield offers some of the most competitive Medicare Supplement Insurance Plans!
Anthem Blue Cross Blue Shield (BCBS) is among the largest insurers in the country, covering about one in three people. BCBS is comprised of different companies that are each owned by local people. The Blue Cross Blue Shield network of local offices is over 80 years old, and has grown to offer Medicare supplement plans throughout the nation.
Blue Cross Blue Shield Medicare Supplement Insurance
One of the options you have as a Medicare beneficiary is to expand your Medicare benefits by adding a MediGap plan. Up to 10 types of MediGap insurance are available in several states. That lets you customize benefits to fit your situation.
Unlike other types of health insurance, MediGap plan coverage has been standardized to make it easy to compare coverage versus cost. MediGap plan benefits are identified by plan letters. For example, MediGap Plan A has the least amount of coverage and MediGap Plan F offers the most comprehensive benefits.
MediGap plans are accepted by providers who accept Medicare coverage, and MediGap automatically picks up the charges Medicare doesn’t cover, depending on which MediGap plan you choose.
Your state officials control which MediGap plans are available in your state, but you can see the benefits of all 10 forms of MediGap insurance by clicking here. And, our instant quotes will show you a selection of MedigGap plans for your state offered by leading insurance companies that have been prescreened for financial soundness. We rely on A.M. Best, an independent financial rating organization, and represent insurers with some of the highest ratings.
BCBS and Medicare Advantage Plans
You also have an alternative to traditional Medicare. BCBS is one of the insurance companies that contracts with Medicare to provide Part A and B benefits. These Medicare Advantage plans typically add extra benefits, such as help with eyeglasses, hearing aids and prescriptions.
Medicare Advantage plans operate differently than MediGap plans. Insurance companies offering Advantage plans contract with doctors, hospitals and other medical providers to charge predetermined rates for services provided to plan policyholders.
In an emergency, Advantage plan coverage works outside of that network of providers. In non-emergency situations, Advantage plan coverage is usually restricted to in-network providers. That makes it important to find an Advantage that has contracted with the physicians you use.
Unlike MediGap plans, Advantage plan benefits are not standardized. Our licensed agents will help you compare the coverage and cost of Medicare Advantage plans that are available where you live. While MediGap plans are available on a state-wide basis, Advantage plans tend to be available on a local or regional basis.
Just give us a call at 1-800-913-3416 (toll free) or click here to request a confidential telephone consultation. We’ll do the research, help you narrow down your choices to the most promising plans, and see which ones best match your individual needs. Of course, there’s no charge for our professional opinion and our consultations are confidential.
How to Apply for a Blue Cross Blue Shield Medicare Supplement Plan
MediGap Advisors is an licensed Anthem Blue Cross Blue Shield agency.
Blue Cross Blue Shield Medicare Frequently Asked Questions
Is Blue Cross Blue Shield available in my state?
Blue Cross Blue Shield Medicare supplement insurance is available in every state, the District of Columbia, and Puerto Rico. However, not every plan is available in every location.
What Medigap plans does Blue Cross sell?
Blue Cross/Blue Shield sells every standard Medicare supplement plan. However, plans C and F are no longer available to new enrollees. And not every Medigap plan is offered in every city.
Does Blue Cross sell a high-deductible Medigap plan?
Yes, Blue Cross/Blue Shield sells a high-deductible Plan G
What extra benefits are available with BCBS Medigap plans?
BCBS Medigap members can sign up for Silver Sneakers for an additional monthly premium.
Some Blue Cross Blue Shield plans offer hearing exams and a hearing aid allowance, and many also have an allowance for routine eye exams and glasses or contacts.
Do I need a referral to see a specialist with a Blue Cross Medigap plan?
No. You can use your BCBS Medigap benefits to see any specialist who takes Medicare patients, and you don’t need a referral from a primary care doctor.
How do I sign up for a Blue Cross/Blue Shield Medigap plan?
Click here, select your state from the drop-down menu, and schedule an appointment with one of our highly-experienced Personal Benefit Managers.
Reviewed by Whitney Kline
Fact checked by Wiley Long
Blue Cross Blue Shield Medicare Supplement Reviews
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Fight inflation: Lock in Medigap premiums for life
I was reading about inflation heating up and I wanted to tell people about my Blue Cross plan if you join when you are 65 they lock in your rate for life. So if inflation goes up your premium will never go up. The worse inflation gets the better deal Blue Cross Medigap is.. If you’re just turning 65 you should give it a look.
Had to use the foreign travel benefit. It works
I grew up in Paris, and I’m a frequent traveler to Europe to visit family and friends. I had a medical emergency when I was traveling to my original home in Paris, France. My Florida Blue Medicare supplement policy was there when I needed it. But. I only had to pay 80% of the bill at the hospital in France.
Plus, I love having the silver sneakers benefit, which comes with my Florida Blue membership. It helps keep me healthy and active.
7 years with no out of pocket costs
I am 72 years old and have had insurance my entire life. I got a supplemental Blue Cross policy when I was first eligible for Medicaid. In the last seven years of coverage, out of pocket expenses for care other than prescription drugs is zero. My biggest expense right now is medications. But those are partially covered under my SilverScript plan.
THey don't cover long term care 🙁
I thought medicare covered logn term care but they dont it’s only skilled nursing care after a hospital stay my husband will need long term care very confusing
Great Medicare Plan!
Blue Cross has deep roots where I live in Minnesota and it’s a very well respected company. So they were the natural choice for a Medicare policy when I retired and became eligible for Medicare.
There are cheaper plans out there, but Blue Cross/Blue Shield is still a good value.
Since my husband and I joined, we’ve had several claims, but no out of pocket costs for anything. Everything else is taken care of (we have Plan F). So they’ve lived up to their reputation as far as I’m concerned. 5 stars, would recommend.