Medicare-Eligible Health Insurance Article

Blue Shield Medigap

How to Apply for Blue Shield Medigap Online

Applying for a Blue Shield Medigap plan is easy. It is now available 100% online with no printing or faxing required.  Just click here to apply for Blue Shield Medigap.

Blue Shield Medigap Overview

Before we delve into Blue Shield Medigap, we want to first clear up some confusion. Blue Shield offers both Medicare Advantage plans and Medigap plans. What’s the difference?

    Medicare Advantage plans offer equivalent benefits as traditional Medicare Part A (hospital coverage) and Medicare Part B (doctor coverage). They can offer additional benefits such as prescription drug coverage or dental. Medicare Advantage plans are low cost but they have a limited HMO doctor network and offer very little coverage beyond the minimum requirements.

    Blue Shield Medigap plans offer additional benefits not covered under traditional Medicare. You will want to think of Medigap (which sometimes is referred to as Medicare Supplemental plans) as insurance you buy to cover all things that traditional Medicare does not cover. It is supposed to fill in the Medicare GAPS!

Here is what Blue Shield Medigap Plan F Covers:

    1) Your Medicare Part A Hospital deductible
    2) All the hospital stay costs during days 61-150 that are only partially paid by Medicare
    3) All the hospital stay cost from 150 days-365 that are not covered at all by Medicare
    4) All the skilled nursing cost from 21 through 100 that are not covered by Medicare
    5) Your Medicare Part B deductible
    6) Both the 20% of normal Doctor fees that Medicare makes you pay plus 100% of any fees your doctor may charge beyond the Medicare reimbursement rate
    7) The first three pints of blood per calendar year
    8) Foreign medical expenses


Medigap Plan F does a very good job of filling in most of the potential medical expenses that are not covered by Traditional Medicare. It is the most comprehensive and most popular of all the Medicare Supplemental plans we sell. It is also usually one of the most expensive. The cost of Plan F depends on your age and where you live. To get a Blue Shield Medigap quick quote here.

After you have signed up for Medigap you are not done

Medigap plans only cover medical expenses at the doctor and hospital and do not cover prescription drugs or dental coverage. Blue Shield of California will offer you dental right in the application. You will want to purchase a Rx plan as part of Medicare Part D prescription plan. To get started with your RX coverage visit section on Medicare Part D prescriptions.

Enrolled in another Medigap plan, but want Blue Shield?

Not a problem! Blue Shield has extended their Special Enrollment for those who currently have a Medigap plan and want to switch! You don’t have to wait until your birthday, you can do it now.

Comments and Questions

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  • Comment from Kathy Wilcox on March 05, 2016

    What is the website to find the list physicians that take medicare supplemental plan high F.
    I live in Lakeside, CA 92040. San Diego area.
    Thank you for your time.
    Also, is there a website that has explanation of Benefits in PDF ?
    Thank you for your time.
    Kathy Wilcox


    There is not a list of physicians that any specific Medicare Supplement plan covers (unless it’s Medigap SELECT), because Medicare Supplement plans work with any doctor that accept Medicare assignment in the U.S., and its territories, and Medigap Plan F and G cover excess charges when you see doctors that do not accept assignment.

    Here is a comparison chart of Medigap plans, since each lettered plan has identical coverage. For a list of specific health services, you’ll want to check out our Medicare FAQ page. Please let us know if you have any other questions.

    -Amy from

  • Comment from Martin Miller on February 21, 2014

    I hear Blue shield of CA now has an online Medigap application. I cannot find it. i’m not interested in printing out and filling out an application. Please send me the link


    Thank you for your comment. Click here for the Blue Shield online Medigap application.
    Jacima at

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