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Blue Cross Blue Shield, one of the largest healthcare providers in America, offers a wide range of Medicare Supplement plans designed to fulfill your health insurance needs. Compare plans to find the best Medicare Supplement plan for you.
Blue Cross Blue Shield (BCBS) is among the leading health insurance carriers in the U.S. and provides a wide selection of Medicare Supplement Insurance (also called Medigap) plans.
Medicare Supplement Insurance plans can help cover of the out-of-pocket expenses that Original Medicare (Part A and B) doesn’t cover. These costs can include deductibles, coinsurance, copayments and more.
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BCBS was founded in 1929 and strives to help provide high-quality and affordable health care to all Americans.1
Dallas public school teachers and loggers and miners in the Pacific Northwest were among the first groups to enjoy coverage by the companies that would later become BCBS.
In 1966, BCBS companies were the first and only insurers in the nation who had the ability to administer Medicare, which had just been signed into law. That year, BCBS processed claims for close to 5 million Medicare beneficiaries.
Today, 36 different locally operated BCBS health insurance companies administer coverage to Americans in all 50 states, as well 5 million federal employees, retirees and their beneficiaries.2
Insurance companies that partner with BCBS offer plans directly to consumers and to small businesses, large companies, labor unions and federal employees.
BCBS also creates and shares regular reports to inform community health industry leaders regarding data points that can help them more accurately make decisions. This can help them provide lasting, efficient and quality care and help improve the access to health care for millions of Americans.
There are 10 standardized Medigap plans available in most states. You can use the Medigap plans comparison chart below to see the standardized benefits offered by each type of plan.
Depending on where you live, your local BCBS company may offer one of the following Medicare Supplement Insurance plans in 2024.
Medigap Plan F is the most popular Medicare Supplement plan, and it is the only plan to offer all nine of the standardized Medigap benefits. If you have Medigap Plan F, you won’t have to pay any out-of-pocket Medicare costs for covered services.
Depending on where you live, your local BCBS company may also offer a high-deductible Plan F option.
Medigap Plan F will no longer be available to new Medicare beneficiaries who became eligible for Medicare on or after January 1, 2020. If you were eligible for Medicare before Jan. 1, 2020, you may be able to enroll in Medigap Plan F after that date, as long as it is available where you live.
If you currently have Medigap Plan F, you can keep it, even after 2020.
Medigap Plan G offers all of the same benefits as Plan F except for Medicare Part B deductible coverage.
The Medicare Part B deductible is $240 per year in 2024. Once you meet your Part B deductible, your Plan G coverage would be the same as Medigap Plan F.
In 2023, Medicare Supplement Insurance beneficiaries who had Plan G paid an average premium of $135 per month. Medigap Plan F beneficiaries in the same year paid an average premium of $202 per month.3
That’s a difference of $804 in premiums for the year, which is far more than the $240 Part B deductible in 2024. This means that Plan G could potentially be a better value for Medicare beneficiaries, even if they meet their Part B deductible.
Medigap Plan N offers the same benefits as Plan G, except for Part B excess charges coverage. As long as you visit health care providers who accept Medicare assignment, you will not likely have to pay Part B excess charges.
If you have Plan N, you may have to pay a $20 for some doctor’s office visits and a $50 copayment for emergency room visits that don’t result in inpatient hospital admission.
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Medicare Advantage plans replace Original Medicare and offer all of the same benefits that Part A and Part B offer. Many Medicare Advantage plans also offer prescription drug coverage, and some plans offer additional benefits that can include:
Dental care
Hearing aids and vision care services
Health and wellness programs
Depending on where you live, a local BCBS company may offer Medicare Advantage plans in your area.
Medicare Supplement Insurance and Medicare Advantage are not the same thing. You cannot have a Medicare Supplement plan and a Medicare Advantage plan at the same time.
In order to enroll in a BCBS Medicare Supplement Insurance plan, you must be enrolled in both Medicare Part A and Part B and reside in the area in which the desired plan is sold.
If you are under 65 years old and qualify for Medicare because of a disability, you may be able to purchase a Medigap plan. Not all states require insurance companies to offer plans to beneficiaries under 65, however.
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Depending on where you live, you may be able to apply for a BCBS Medicare Supplement Insurance plan.
The following BCBS companies sell Medigap plans in these states in 2023:
| State | BCBS Companies |
|---|---|
| Alabama | Blue Cross and Blue Shield of Alabama |
| Alaska | Premera Blue Cross and Blue Shield of Alaska |
| Arizona | Blue Cross Blue Shield of Arizona |
| Arkansas | Arkansas Blue Cross and Blue Shield |
| California | Anthem Blue Cross Blue Shield of California |
| Colorado | Anthem Blue Cross and Blue Shield Colorado |
| Connecticut | Anthem Blue Cross and Blue Shield Connecticut |
| Delaware | Highmark Blue Cross Blue Shield Delaware |
| Florida | Florida Blue |
| Georgia | Blue Cross Blue Shield of Georgia |
| Hawaii | Blue Cross and Blue Shield of Hawaii |
| Idaho | Blue Cross of Idaho Regence BlueShield of Idaho |
| Illinois | Blue Cross and Blue Shield of Illinois |
| Indiana | Anthem Blue Cross and Blue Shield Indiana |
| Iowa | Wellmark Blue Cross and Blue Shield |
| Kansas | Blue Cross and Blue Shield of Kansas |
| Kentucky | Anthem Blue Cross and Blue Shield Kentucky |
| Louisiana | Blue Cross and Blue Shield of Louisiana |
| Maine | Anthem Blue Cross and Blue Shield Maine |
| Maryland | CareFirst Blue Cross Blue Shield |
| Massachusetts | Blue Cross and Blue Shield of Massachusetts |
| Michigan | Blue Cross and Blue Shield of Michigan |
| Minnesota | Blue Cross and Blue Shield of Minnesota |
| Mississippi | Blue Cross and Blue Shield of Mississippi |
| Missouri | Anthem Blue Cross and Blue Shield Missouri Blue Cross and Blue Shield of Kansas City |
| Montana | Blue Cross and Blue Shield of Montana |
| Nebraska | Blue Cross and Blue Shield of Nebraska |
| Nevada | Anthem Blue Cross and Blue Shield Nevada |
| New Hampshire | Anthem Blue Cross and Blue Shield New Hampshire |
| New Jersey | Horizon Blue Cross and Blue Shield of New Jersey |
| New Mexico | Blue Cross and Blue Shield of New Mexico |
| New York | Empire Blue Cross Blue Shield BlueCross BlueShield of Western New York BlueShield of Northeastern New York Excellus BlueCross BlueShield |
| North Carolina | Blue Cross and Blue Shield of North Carolina |
| North Dakota | Blue Cross and Blue Shield of North Dakota |
| Ohio | Anthem Blue Cross and Blue Shield Ohio |
| Oklahoma | Blue Cross and Blue Shield of Oklahoma |
| Oregon | Regence BlueCross BlueShield |
| Pennsylvania | Capital BlueCross Highmark Blue Shield Highmark Blue Cross Blue Shield Independence Blue Cross |
| Rhode Island | Blue Cross and Blue Shield of Rhode Island |
| South Carolina | Blue Cross and Blue Shield of South Carolina |
| South Dakota | Wellmark Blue Cross and Blue Shield |
| Tennessee | BlueCross BlueShield of Tennessee |
| Texas | Blue Cross and Blue Shield of Texas |
| Utah | Regence BlueCross BlueShield |
| Vermont | Blue Cross and Blue Shield of Vermont |
| Virginia | Anthem Blue Cross and Blue Shield Virginia CareFirst BlueCross BlueShield |
| Washington | Premera Blue Cross Regence BlueShield |
| West Virginia | Highmark Blue Cross and Blue Shield West Virginia |
| Wisconsin | Anthem Blue Cross and Blue Shield Wisconsin |
| Wyoming | Blue Cross and Blue Shield of Wyoming |
The best time to enroll in Medicare Supplement Insurance is during your Medigap Open Enrollment Period. During this time, you will have guaranteed issue rights, which means insurance companies are not allowed to use medical underwriting to determine your rates.
You may still apply for a plan after your open enrollment period has ended, but you may be subject to medical underwriting.
Call today to speak with a licensed insurance agent who can help you compare 2023 Medigap plans that are available where you live.
Or call now to speak with a licensed insurance agent:
Christian Worstell is a licensed insurance agent and a Senior Staff Writer for MedicareSupplement.com. He is passionate about helping people navigate the complexities of Medicare and understand their coverage options.
His work has been featured in outlets such as Vox, MSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.
Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. He currently lives in Raleigh, NC.
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