- Blue Cross Blue Shield offers Medigap plans in all 50 states.
- While Blue Cross Blue Shield offers a wide variety of plans, not every plan may be sold in your state or county.
- Each type of Medigap plan is standardized, meaning it must offer the same basic level of coverage.
- The costs of Medigap plans offered by Blue Cross Blue Shield can depend on things like your location, age, and the type of plan you choose.
Medicare supplement insurance plans help pay for some of your Medicare costs that typically come out of pocket, such as deductibles, copays, and coinsurance. You may also see this type of insurance referred to as Medigap.
Many private insurance companies sell Medigap plans. One of these companies is Blue Cross Blue Shield (BCBS). BCBS offers a wide variety of Medigap plans, although plan options can vary by your location.
Keep reading to learn more about the different types of Medigap plans that BCBS offers in 2021, how much they cost, and what each plan covers.
BCBS is made up of a large network of companies located in every state throughout the United States. Because of this, you can find BCBS Medigap plans in every state.
The companies that make up the BCBS network are often associated with specific states. For example, the company that offers BCBS plans in Texas is called Blue Cross Blue Shield of Texas.
There are 10 different Medigap plans. Each one has a different letter name. These plans offer a standardized set of basic benefits, although some companies may offer plans that include additional benefits.
Each insurance company can choose which Medigap plans it offers. What’s available in your state can often depend on state or local laws.
Now, let’s give an overview of the Medigap plans offered by BCBS. We’ll compare costs and the coverage offered by the different plans in more detail later.
BCBS Medicare Supplement Plan A
Plan A is the most basic type of Medigap plan. If an insurance company offers Medigap plans, it must always offer Plan A.
BCBS Medicare Supplement Plan B
Plan B includes the same coverage as Plan A, along with coverage of the Medicare Part A deductible.
BCBS Medicare Supplement Plan C
Plan C is more inclusive than plans A and B. It covers the deductibles, copays, and coinsurance associated with Medicare parts A and B, as well as foreign travel emergency care.
New rules introduced for 2020 don’t permit Medigap plans to cover the Medicare Part B deductible. Because of this, if you’re new to Medicare in 2020, you won’t be able to purchase Plan C.
If you were eligible for Medicare before January 1, 2020, or if you’re already enrolled in Plan C, you can buy or keep this plan.
BCBS Medicare Supplement Plan D
Plan D covers coinsurance and copays associated with Medicare parts A and B. It also covers the Medicare Part A deductible and foreign travel emergencies.
BCBS Medicare Supplement Plan F
Plan F is the most inclusive Medigap plan. It covers everything that Plan C covers and also covers excess charges associated with Medicare Part B.
Like Plan C, Plan F covers the Medicare Part B deductible. Because of this, it can no longer be purchased if you’re new to Medicare in 2020. If you already have Plan F, you’re allowed to keep it.
Plan F also has a high-deductible option. Monthly premiums are typically lower with this option, but you must first pay a large deductible amount before your plan begins to cover costs.
BCBS Medicare Supplement Plan G
Plan G covers everything that Plan F covers except the Medicare Part B deductible. If you’re new to Medicare in 2020 and would like a very inclusive Medigap plan, Plan G might be a good option.
Like Plan F, Plan G also has a high-deductible version.
BCBS Medicare Supplement Plan K
Plan K covers copays and coinsurance for Medicare parts A and B as well as the Medicare Part A deductible. It’s important to note that, unlike many Medigap plans, coverage for many of these costs is only partial.
However, Plan K also has an out-of-pocket limit. This means that once you’ve paid a certain amount out of pocket, Plan K will cover 100 percent of covered costs for the rest of the year. For 2021, the limit is $6,220.
BCBS Medicare Supplement Plan L
BCBS Medicare Supplement Plan N
Plan N covers the copays and coinsurance for Medicare Parts A and B. It also covers the Medicare Part A deductible and foreign travel emergencies.
Medigap plans in Massachusetts, Minnesota, and Wisconsin
Medigap plans in Massachusetts, Minnesota, and Wisconsin are standardized in a different way from other states. Let’s briefly explore the differences:
- Massachusetts. Plans are divided into core, supplement 1, and supplement 1A.
- Minnesota. Plans are divided into basic and extended basic. Insurance companies can choose to add up to four additional benefits to these plans.
- Wisconsin. Wisconsin has a basic plan with additional benefit options that insurance companies can add. High-deductible, 50 percent cost-sharing, and 25 percent cost-sharing plans (similar to Plan K and Plan L, respectively) are also offered.
Coverage can vary by plan and company. If you live in one of these states, it’s very important to carefully compare the Medigap plans offered by different companies before selecting one.
Now let’s compare what’s included in the different Medigap plans offered by BCBS. The chart below shows the percentage of each benefit that’s covered by each plan.
|Benefit||Plan A||Plan B||Plan C||Plan D||Plan F||Plan G||Plan K||Plan L||Plan N|
|Part A deductible||—||100%||100%||100%||100%||100%||50%||75%||100%|
|Part A coinsurance and hospital costs||100%||100%||100%||100%||100%||100%||100%||100%||100%|
|Part A skilled nursing facility coinsurance||—||—||100%||100%||100%||100%||50%||75%||100%|
|Part A hospice coinsurance or copay||100%||100%||100%||100%||100%||100%||50%||75%||100%|
|Part B deductible||—||—||100%||—||100%||—||—||—||—|
|Part B coinsurance or copay||100%||100%||100%||100%||100%||100%||50%||75%||100%|
|Part B excess charges||—||—||—||—||100%||100%||—||—||—|
|Blood (3 pints)||100%||100%||100%||100%||100%||100%||50%||75%||100%|
|Emergency during foreign travel||—||—||80%||80%||80%||80%||—||—||80%|
There are some costs associated with Medigap plans, including BCBS plans. These costs may vary by the specific plan and your location. These costs can include:
- Monthly premium. Every Medigap plan has a monthly premium. Companies can have a standard monthly premium or set their premiums based on your current age or the age at which you purchased your plan.
- Deductible. Some Medigap plans don’t cover deductibles for Part A, Part B, or both. Additionally, high-deductible Plan F and Plan G have their own deductible of $2,370 that must be met before they start covering costs.
- Copays and coinsurance. Some Medigap plans don’t cover every type of copay or coinsurance associated with Medicare parts A and B.
- Out-of-pocket costs. You’ll be responsible for paying any costs for services that aren’t covered by original Medicare or your Medigap plan. Plan K and Plan L have out-of-pocket limits of $6,220 and $3,110, respectively. After you meet these limits, your plan pays for 100 percent of covered costs.
Now, let’s compare the monthly premium cost ranges of different Medigap plans offered by BCBS in a few different cities across the country.
|Plan||Atlanta, GA||Philadelphia, PA||San Francisco, CA||Seattle, WA|
|Plan F (high deductible)||$48–$71||$37–$97||$28–$84||$44–$70|
|Plan G (high deductible)||$48–$60||$37–$68||$38–$61||$44–$66|
Medigap is supplemental insurance that helps people with original Medicare (Part A and Part B) pay for costs that aren’t normally covered. An estimated
The costs covered by Medigap plans include things like:
There are 10 different Medigap plans. However, these plans are standardized. This means that each plan must offer the same basic level of coverage, regardless of which company is offering it.
Medigap plans are specific to your location, so it’s possible that some plans may not be offered in your state or county. Some states also standardize their plans differently, including Massachusetts, Minnesota, and Wisconsin.
If you have a Medicare Advantage (Part C) plan, you cannot purchase a Medigap plan. However, Medigap plans can be used along with Medicare Part D plans, as long as the Medigap plan isn’t an older plan that also includes prescription drug coverage.
BCBS sells Medigap plans in every state. While BCBS offers many of the 10 types of Medigap plan, some plans may not be available in your location.
All Medigap plans, including those offered by BCBS, are standardized. This means that they must include the same basic amount of coverage, regardless of the company that’s selling it.
The cost of a Medigap plan can depend on factors like the type of plan you select, your location, and how a company sets their monthly premiums.
Because of this, it’s always important to compare different Medigap plans before deciding on one.
This article was updated on November 20, 2020, to reflect 2021 Medicare information.
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