Blue Cross Blue Shield Medicare
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.
About Blue Cross Blue Shield
The History of BCBS
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.
2021 BCBS Medicare Plans
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.
Scroll to the right to continue reading the chart
Medicare Supplement Benefits
Part A coinsurance and hospital coverage
Part B coinsurance or copayment
Part A hospice care coinsurance or copayment
First 3 pints of blood
Skilled nursing facility coinsurance
Part A deductible
Part B deductible
Part B excess charges
Foreign travel emergency
|Medicare Supplement Benefits||A||B||C*||D||F1*||G1||K2||L3||M||N4|
|Part A coinsurance and hospital coverage|
|Part B coinsurance or copayment||50%||75%|
|Part A hospice care coinsurance or copayment||50%||75%|
|First 3 pints of blood||50%||75%|
|Skilled nursing facility coinsurance||50%||75%|
|Part A deductible||50%||75%||50%|
|Part B deductible|
|Part B excess charges|
|Foreign travel emergency||80%||80%||80%||80%||80%||80%|
* Plan F and Plan C are not available to Medicare beneficiaries who became eligible for Medicare on or after January 1, 2020. If you became eligible for Medicare before 2020, you may still be able to enroll in Plan F or Plan C as long as they are available in your area.+ Read more
1 Plans F and G offer high-deductible plans that each have an annual deductible of $2,370 in 2021. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high-deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2 Plan K has an out-of-pocket yearly limit of $6,220 in 2021. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.
3 Plan L has an out-of-pocket yearly limit of $3,110 in 2021. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.
4 Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don’t result in an inpatient admission.- Read less
Blue Cross Blue Shield Medicare Supplement Benefits
Depending on where you live, your local BCBS company may offer one of the following Medicare Supplement Insurance plans in 2021.
Medigap Plan F
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
Plan G offers all of the same benefits as Plan F except for Medicare Part B deductible coverage.
The Medicare Part B deductible is $203 per year in 2021. Once you meet your Part B deductible, your Plan G coverage would be the same as Medigap Plan F.
In 2018, Medicare Supplement Insurance beneficiaries who had Plan G paid an average premium of $122 per month. Medigap Plan F beneficiaries in the same year paid an average premium of $169 per month.3
That’s a difference of $564 in premiums for the year, which is far more than the $203 Part B deductible. This means that Plan G could potentially be a better value for Medicare beneficiaries, even if they meet their Part B deductible.
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.
BCBS Medicare Advantage (Medicare Part C) Plans
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:
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.
2021 Medigap Eligibility
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.
Where Can I Get Blue Cross Blue Shield Medicare Supplement Plans?
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 2021:
|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|
|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|
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
|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|
How to Enroll in a Blue Cross Blue Shield Medigap Plan in 2021
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.
Find Medicare Supplement Plans Where You Live
Call today to speak with a licensed insurance agent who can help you compare 2021 Medigap plans that are available where you live.
Compare Medigap plans in your area.Find a plan
Or call now to speak with a licensed insurance agent:
1 An Industry Pioneer. BCBS. Retrieved Aug. 2019 from www.bcbs.com/about-us/insustry-pioneer.
2 BCBS Companies and Licensees. BCBS. Retrieved Aug. 2019 from www.bcbs.com/bcbs-companies-and-licensees.
3 TZ Insurance Solutions LLC internal sales data, 2019. This data is based on the Medicare Supplement Insurance policies TZ Insurance Solutions LLC has sold. It is not a comprehensive national average of all available Medicare Supplement Insurance plan premiums.