Blue Cross Blue Shield
Medicare Supplement Plans

Run Instant Quotes on Blue Cross Medicare Supplement Insurance Plans, Compare Medigap Plans, Get Expert Advice, and SAVE!

Blue Cross Blue Shield Medicare Supplement Logo
Medicare Supplement Medigap Insurance Company Plan logos

Anthem Blue Cross Blue Shield is one of the most known and trusted names in the health insurance industry.  Blue Cross Blue Shield is actually an association of several different insurance companies, each representing Blue Cross in their own region.  The local member companies of the Blue Cross and Blue Shield Association provide coverage for one of every three Americans, a total of more than 88 million people.  Blue Cross Blue Shield also contracts with more hospitals and physicians than any other insurer in the nation.

You can run Instant Quotes to compare plans in your area and view plan brochures and applications.  The chart below shows the benefits included in each of the ten standard Medicare Supplement (Medigap) plans.

Features
A
B
C
D
F
G
K
L
M
N
 Part A Hospital Coinsurance
Blue Cross Blue Shield Medicare Supplement Policy Feature
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 Lifetime Reserve Days
Blue Cross Blue Shield Medicare Supplement Policy Feature
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 365 More Hospital Days
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 Parts A and B Blood
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50%
75%
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 Part B Coinsurance
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50%
75%
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 Part A Hospice Coinsurance
Blue Cross Blue Shield Medicare Supplement Policy Feature
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50%
75%
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 Skilled Nursing Coinsurance
-
-
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50%
75%
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Blue Cross Blue Shield Medicare Supplement Policy Feature
 Part A Deductible $1,100 in 2010
--
Blue Cross Blue Shield Medicare Supplement Policy Feature
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50%
75%
50%
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 Part B Deductible $155 in 2010
(except for $20 copay for office visits and a $50 copay for Emergency Room visits)
--
-
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-
-
-
-
 Part B Excess
--
--
-
-
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-
-
-
-
 Foreign Travel Emergency
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 Out of Pocket Limits
-
-
-
-
-
-
 $4,620
 $2,310
-
-

Plan F also has high deductible options, which some companies may offer.  These high deductible plans pay the same benefits as Plan F and J after one has paid a calendar year $2000 deductible.  Benefits from high deductible Plans F will not begin until out-of-pocket expenses exceed $2000.

Plans K through N provide for different cost-sharing for items and services than Plans A through G.  With Plans K and L, once you reach your annual "out-of-pocket limit," the plan will then pay 100% of the Medicare co-payment, co-insurance and deductibles for the rest of the calendar year.  The out-of-pocket limit does not include charges for any provider that exceeds Medicare-approved amounts, known as "excess charges."  The annual out-f-pocket limits for these plans in 2010 are $4620 for Plan K, and $2310 for Plan L.

Deductible - Part A $1132 (appears twice in the benefit grid); Part B $162

With Plan M you pay 50% of your Part A Deductible ($1132 per benefit period), as well as the entire Part B deductible ($162 in 2011). Plan N pays all of your Part A Deductible, and you pay the entire Part B deductible ($162 in 2011) plus a $20 copayment for office visits and a $50 copayment for Emergency Room visits.

After the Medicare Supplement plan is mailed or delivered, you have a 30-day free look to examine the plan and to decide if you want to keep it.  If you return the plan within 30 days, all of your money will be refunded.

Note:  Not all plans are available in all states.  Run an instant quote to see plans in your area, or contact us for your available options.

How to Apply for Blue Cross Medigap Plans

Once you decide on a plan, you will need to download an application to apply.  Simply click the "Apply" button on your instant quote next to the plan you are interested in and download the application (or contact us and we will email you an application).  

Then simply complete the application and fax it to us toll-free at 866-284-0082.  Mail the original copy of your application*, along with a check for the first month's premium to:

MediGap Advisors
Application Processing Department
194 Treasure Lake
DuBois, PA 15801

* If paying via bank draft, you do not need to mail your application

Before submitting your application, be sure that you:

  1. Complete all forms in full and sign them.
  2. Make sure to use the correct application for your state.
  3. If you are not applying during an open enrollment period, be sure to answer all health questions.
  4. Include a check, money order or cashiers check in the amount of the premium for the mode selected, or the bank draft authorization, if premiums are to be drafted, submitted along with your application.  All checks should be made payable to Blue Cross Blue Shield.

If you have any questions, call 866-323-1441 and we'll give you a quick answer or assign someone on our team to be your own personal MediGap Advisors.

About Anthem Blue Cross Blue Shield

The company known today as Anthem is the outgrowth of two Indianapolis-based corporations formed in 1944 and 1946 as mutual insurance companies.  Those two companies were created to provide health insurance to residents of Indiana as Blue Cross of Indiana.  In the mid-1980s, Blue Cross and Blue Shield of Indiana began to diversify and expand, primarily through Blue Cross and Blue Shield mergers and acquisitions.  The Anthem Blue Cross and Blue Shield companies are independent licensees of the Blue Cross and Blue Shield Association and currently serve more than 12.6 million customers in nine different states.

Anthem is listed on the New York Stock Exchange under the trading symbol ATH, and is the fifth largest publicly traded health benefits company in the United States.

Anthem Blue Cross Blue Shield is rated "A" (Excellent) by the A.M. Best Company, an independent insurance rating organization. 

MediGap Advisors is an independent Anthem Blue Cross Blue Shield producer.

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Disclaimer: Medigap Advisors is not connected with or endorsed by the United States Government or the federal Medicare program.