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HomeArticlesSenior Health Insurance Articles › Blue Cross Medigap Supplemental Insurance

Blue Cross Medigap Supplemental Insurance

By Katie Banks+

Anthem Blue Cross Medigap

Before you purchase a Medigap policy from Blue Cross you need to know a few things:

1) Blue Cross Medigap programs, like all Medigap programs, are intended only for people age 65 or older, who are enrolled in both Parts A and B of Medicare.

2) As you know, Medicare Supplemental Insurance plans (often called Medigap) are regulated so Blue Cross has to offer the exact same benefits as all other senior supplemental insurance providers. 

3) Which Medigap plans Blue Cross offer (and more importantly at what price) can vary dramatically from state-to-state.

Available Blue Cross Medigap Plans

While Blue Cross is technically allowed to offer the whole alphabet of Medigap plans, most states only offer Plan A, F, G and N. To learn the exact plans, benefits offered and prices available in your state, get a quick quote below.

Blue Cross Medigap Quote in your State

Use this link to find Blue Cross medigap plans in your state. Here you will get a quote and a list of what benefits are covered under each plan in your state. If you are ready to apply for Blue Cross Medigap click on the arrow below.
apply for Blue Cross Medigap

For a Great Medicare Overview:

If you don’t already have Medicare you may want to check out this Medicare and senior supplemental insurance website. It explains Medicare Part A and Part B (required before you can purchase Medigap),Part D prescriptions as well as Medigap.

Here is a general list of the kind of benefits offered under the Blue Cross medicare supplemental plans.  Make sure you get a medigap quote to see the exact benefits.
Part A Deductible ($912)

    365 Additional Hospital Days
    Skilled Nursing Facility Coinsurance
    3 Pints of Unreplaced Blood
    Part B Annual Deductible ($110)
    Part B Excess Charges at 100%
    Part B Coinsurance
    Prescription Drugs
    At-Home Recovery
    Additional Preventive Medical Care
    Foreign Travel Emergency

Note: Benefits subject to change.
1 Waived by Blue Cross participating SELECT hospital.
2 Benefits are payable only after you meet the $1650 annual Blue Cross deductible of out of pocket expenses that otherwise would be covered.
3 After a $5 office copay when using a participating Prudent Buyer provider, up to a maximum out of pocket expense of $100 per year.
4 Part B annual deductible is covered only when using a participating Prudent Buyer provider.
5 Prescription drug benefit covered only when using a participating pharmacy or mail order program: Combined $250 annual deductible 50% coinsurance, $1250 maximum annual benefit for Plan I, $3000 maximum annual benefit for Plan J and Select Plus.
6 Separate $250 deductible applies.

This page is designed to provide you with information on supplemental medicare plans offered by Anthem Blue Cross. If you require more information about other providers’ supplemental programs, call us at 800 930-7956.  To get at 10 Second Medigap Quick Quote, type your zip code in the box on the top of this page for an immediate quote of top supplemental plans. No agent will contact you unless you request it by including your contact information.





Comments for Blue Cross Medigap Supplemental Insurance

By Medicare Supplemental Request on June 21, 2011

Please quote Missouri PART F Medicare Supplement cost and whether the price quoted will continue for what period of time.


By William M and Jane P Hartley on June 21, 2011

My wife and I are retiring soon. WMH - July 1.  JPH - December 2011.  I am 69.  She will be 66 in Dec.  Neither of us has Medicare.  We are covered by her employer plan until Dec.  We are trying to find out what we need to do and when.  What’s available?  Any information that you may send will be appreciated.  We are residents of Arkansas.


By jean on August 04, 2011

I think this one is perfect for me. I think I finally get   the first point “1) Blue Cross Medigap programs, like all Medigap programs, are intended only for people age 65 or older, who are enrolled in both Parts A and B of Medicare. ” First I sign up for PArts A and B, then I’ll get Medigap.  So simple but wasn’t sure of the order.


By angela on August 20, 2011

well i think I really appreciate with that. I have already health, medical, accidental, life insurance so I secure now but I’m concerned about what happens when I get older.


By Dave Heenan on October 14, 2011

Hello,
I am turning 65 in Dec. I have applied and gotten my Medicare card Part A and B. My employer said I have to get my own Part B insurance and I will be reimbursed because I am not going to collect SS payments yet. My main question is that my employer is transfering me to Supplement B BlueCross-CMS 65 Plan A. I don’t know what that is, is it major medical coverage? can you help?


By Steven Wilson on November 22, 2011

I think a lot of people think just having Medicare A and B is enough. We learned this the hard way. My parents didn’t have medicare supplemental and found out that Medicare doesn’t cover some very expensive things. Just the minimum. I wished I pushed them for a medigap when they turned 65.


By Horst Kuhnke on December 04, 2011

From the Social Security Administration I received a statment that my plan “B” coverage coats $ 259.70.
Do I need a plan “B” coverage from Blue Cross Blue Shield ?

Please advise.


By SilverBear1 on December 24, 2011

The way I understand it you must get plan B the social security administration. Then once you have plan a and plan b, you can buy Medigap from Blue Cross Blue Shield. You many want to contact the phone number in the article above to confirm.


By liz on June 12, 2013

Does bc/bs have a medigap policy for those under 65 with a disability?

MEDICOVERAGE AGENT RESPONSE:

Hi Liz,

In some states you can purchase a Medigap plan before you are 65 if you have a disability. Give us a call at 800-930-7956 and we can help you find one.
-Chris from www.medicoverage.com


By linda ferguson on October 10, 2013

I have blue cross supplemental. What will the monthly rate increase be under Obamacare?

MEDICOVERAGE AGENT RESPONSE

Linda,
Thank you for your question. If you currently have a Medigap plan, you will stay on it and will not move to one of the plans offered under the Affordable Care Act. Additionally your Medgap plan monthly rate shouldn’t be directly impacted by Obamacare. 
-Chris from Medicoverage.com


By dr.dinesh shah on December 04, 2013

I am interested in buying medigap policy.
1. How soon after I buy,it becomes effective? any waiting period?
Must cover my out of pocket expense for hospitalisation
3. When is open enrollment period for illinois?
4 I have medicare -A & B—since feb 13.How soon must I buy this policy without penalty?

MEDICOVERAGE AGENT RESPONSE

Dr. Shah,
Thank you for your questions. Medigap plans can cover coinsurance for hospitalization, and some also cover your Part A Hospital deductible. If you’re looking for a comprehensive plan check out Medigap Plan F.

Enrolling in a Medigap plan has an initial enrollment period, which does not require health records, for 6 months after you are eligible for Part B. If you wait beyond this period, you would have to go through medical underwriting and may have to pay a higher premium. Due to the specificity of your questions please call 800-930-7956 so that an agent may walk you through this.
-Michelle at http://www.medicoverage.com



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