Medicare Advantage

2019 Health Care Service Corporation Medicare Plans

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Health Care Service Corporation (HCSC) is a licensee of the Blue Cross Blue Shield Association. The company began in 1936 as the Chicago Plan for Hospital Care and now runs Blue Cross Blue Shield insurance plans in Oklahoma, Texas, Illinois, Montana and New Mexico. Approximately 15 million Americans receive their health insurance through HCSC.

HCSC offers Medicare Advantage, Part D and Medigap plans through its state Blue Cross Blue Shield divisions. The options that are available to Medicare members vary from state to state, but many enrollees can choose between HMO and PPO Medicare Advantage plans. Medigap supplement options also vary among markets. Members may be able to select from Plans A, B, C, F, G, K, L, M and N as well as high-deductible Plan F.

A significant portion of Medicare Advantage enrollees receive their insurance benefits through a non-Anthem Blue Cross Blue Shield company, such as the health insurance divisions run by HCSC. A.M. Best gives HCSC and its subsidiaries a Financial Strength Rating of “A,” which is classified as an excellent score. The rating agency also gives HCSC an “a+” for its Long-Term Issuer Credit Rating.

Each state’s plans receive their own reviews from CMS. For example, Blue Cross and Blue Shield of Montana’s 2018 Medicare Advantage PPO received an overall score of 3.5 out of 5.0 stars, and an Illinois plan earned the same score. Blue Cross and Blue Shield of Texas’ 2018 Medicare Advantage HMO was given an overall score of 2.5 stars.

The National Committee for Quality Assurance (NCQA) reviews each of the company’s state divisions separately. Programs in Illinois, Texas and New Mexico have been accredited by NCQA.

HCSC Medicare Advantage Plan Overview

Health Care Service Corporation offers Medicare Advantage products via the companies it represents under Blue Cross and Blue Shield: Illinois, Montana, New Mexico, Oklahoma and Texas. Pricing and availability for Medicare Advantage plans will vary based on your zip code. Plans that might be available to you in Oklahoma City, for example, might not be available to your cousin in Tulsa or your brother in Lawton.

To give you an idea of pricing and coverage, we’ve outlined a few plans per state using different zip codes. For accurate information, get a personalized quote based on where you live. It’s the best way to see what’s out there and how much it costs. You can always reach a licensed and vetted Medicare professional by calling our toll-free number, or by using the form at the bottom of this page

Blue Cross and Blue Shield of Illinois

BCBS of Illinois Medicare Advantage (2019)

Cook County, Illinois

Medicare Advantage

Basic HMO

Medicare Advantage

Basic Plus HMO-POS

Medicare Advantage

Premier Plus HMO-POS

Monthly premium $0 $0 $83
Copay (primary) $5 $10 (in network) $5 in network
Deductibles $0 for medical

$0 for drug

$0 for medical

$0 for drug

$0 for medical

$0 for drug

Network In-network coverage only Coverage for network and non-network care Coverage for network and non-network care
Rx coverage? Yes Yes Yes
Rx cost $0 copay for tier 1 $0 copay for tier 1 $0 copay for tier 1
Special features Preventive dental, limited transportation to plan-approved locations, limited chiropractic care; reward program and Silver Sneakers fitness program Limited transportation to plan-approved locations, limited chiropractic care, and Silver Sneakers fitness program Eyewear and hearing aids, preventive and comprehensive dental; limited transportation to plan-approved locations and limited chiropractic care
Out-of-pocket max $3,400 $4,500 (in network) $4,500 (in network)
CMS Star Rating 3 3 3

Blue Cross and Blue Shield of Montana

BCBS of Montana Medicare Advantage (2019)

Cascade County, Montana

Medicare Advantage Classic PPO Medicare Advantage Optimum PPO
Monthly premium $85 $146
Copay (primary) $15 $10
Deductibles $0 for medical

$415 for drug (tiers 4-5)

$0 for medical

$415 for drug (tiers 4-5)

Network Coverage for network and non-network care Coverage for network and non-network care
Rx coverage? Yes Yes
Rx cost $0 copay for tier 1 $0 copay for tier 1
Special features Preventive dental, limited chiropractic, and Silver Sneakers fitness program Preventive and comprehensive dental, limited chiropractic, eyeglasses; Silver Sneakers fitness program
Out-of-pocket max $6,700 $3,900
CMS Star Rating 3.5 3.5

Blue Cross and Blue Shield of New Mexico

BCBS of New Mexico Medicare Advantage (2019)

Valencia County, New Mexico

Medicare Advantage

Basic HMO

Medicare Advantage

Select HMO

Medicare Advantage

Choice Plus PPO

Monthly premium $10 $0 $49
Copay (primary) $0 $0 $20 (in network)
Deductibles $0 for medical

$415 for drug (tiers 4-5)

$0 for medical

$415 for drug (tiers 4-5)

$0 for medical

$415 for drug (tiers 4-5)

Network In-network coverage only In-network coverage only Coverage for network and non-network care
Rx coverage? Yes Yes Yes
Rx cost $0 copay for tier 1 $0 copay for tier 1 $0 copay for tier 1
Special features Limited chiropractic, limited transportation to plan-approved locations, and Silver Sneakers fitness program Limited chiropractic, limited transportation to plan-approved locations, and Silver Sneakers fitness program Silver Sneakers fitness program and limited chiropractic
Out-of-pocket max $5,100 $6,500 $6,700 (in network)
CMS Star Rating 3 3 3

Blue Cross and Blue Shield of Oklahoma

BCBS of Oklahoma Medicare Advantage (2019)

Cleveland County, Oklahoma

Blue Cross Medicare Advantage Basic HMO
Monthly premium $0
Copay (primary) $5
Deductibles $0 for medical

$415 for drug (tiers 3-5)

Network In-network coverage only
Rx coverage? Yes
Rx cost $0 copay for tier 1
Special features Silver Sneakers fitness program, limited chiropractic care
Out-of-pocket max $6,500
CMS Star Rating 2.5

Blue Cross and Blue Shield of Texas 

BCBS of Texas Medicare Advantage (2019)

Bastrop County, Texas

Medicare Advantage

Basic HMO

Medicare Advantage

Choice Plus PPO

Medicare Advantage

Choice Premier PPO

Monthly premium $0 $20 $90
Copay (primary) $0 $20 (in network) $0
Deductibles $0 for medical

$0 for drug

$0 for medical in network

($750 out of network)

$415 for drug (tiers 3-5)

$0 for medical

$415 for drug (tiers 3-5)

Network In-network coverage only Coverage for network and non-network care Coverage for network and non-network care
Rx coverage? Yes Yes Yes
Rx cost $0 copay for tier 1 $0 copay for tier 1 $0 copay for tier 1
Special features Eyewear benefits, limited chiropractic, and Silver Sneakers fitness program Silver Sneakers fitness program and limited chiropractic Eyewear, preventive and comprehensive dental; Silver Sneakers fitness program and limited chiropractic
Out-of-pocket max $6,700 $6,700 (in network) $5,900 (in network)
CMS Star Rating 3 3 3

Health Care Service Corporation Medigap Plan Overview For 2019

Health Care Service Corporation doesn’t offer Medigap on its own. Instead, as with Medicare Advantage, the company sells Medicare supplement plans via individual Blue Cross licensees in the five states where it operates. Across the various companies where HCSC offers Medigap policies, those policies are Medigap Plans A, B, C, F, high-deductible F, G, K L, M and N. The company, via Blue Cross affiliates, sells every Medigap plan except Plan D.

Medigap policies are standardized in every state except for Massachusetts, Minnesota and Wisconsin. If you buy Plan G from HCSC, it will cover the same benefits as Plan G from UnitedHealthcare, and both of these plans will look the same in Texas, Colorado, Hawaii or any other state where it’s sold. The difference comes in cost and the company selling it.

Below, we’ve outlined what each Medigap policy sold by HCSC covers, using pricing information from Cook County, Illinois. (For Plan M, we’ve used Yellowstone County, Montana.) If you’re interested in a Medigap supplement plan from one of these Blue Cross licensees, get a customized quote today for accurate pricing and availability based on where you live.

HCSC Medigap Plan A

Sold by: Blue Cross of IL, MT, NM, OK and TX

Medigap Plan A is considered the basic set of Medigap benefits. All Medicare supplement plans cover the four basic benefits that Plan A covers, but the other plans cover more. In Cook County, Illinois, a 65-year-old woman would pay about $74 a month for this coverage. Medigap Plan A from HCSC (via Blue Cross of Illinois) covers:

  • Part A coinsurance and hospital costs (up to 365 days after Medicare hospital benefits end)
  • Part A hospice care coinsurance or copayment
  • Part B coinsurance or copayment
  • The first three pints of blood

2019 HCSC Medigap Plan B

Sold by: Blue Cross of IL and NM

One step above Medigap Plan A, Medigap Plan B covers an additional benefit that Plan A doesn’t, and that’s the Medicare Part A deductible. Medicare Part A is hospital coverage, and the deductible is set at the federal level ($1,364 per benefit period in 2019). If you know you’ll be in the hospital often or even just once in the upcoming year, getting supplemental coverage to pay for the deductible could help you minimize costs. For our 65-year-old Cook County resident, Medigap Plan B from Blue Cross of Illinois is $126 a month. It covers:

  • Part A coinsurance and hospital costs (up to 365 days after Medicare hospital benefits end)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Part B coinsurance or copayment
  • The first three pints of blood

HCHS, via its Blue Cross companies, offers a “Select” version of some plans. Select Medigap plans cover the same standardized benefits, but you’ll need to use a “Select” designated hospital for non-emergency care when you go to the hospital. Select plans cost less than the regular versions. In this case, Select Medigap Plan B would cost our Cook County resident $105 a month. In Illinois, you may have access to Select versions of Plans C, F, G, K, L and N as well.

2019 HCSC Medigap Plan C

Sold by: Blue Cross of IL and MT

One of two Medicare supplement plans to cover the annual Part B deductible ($185 in 2019), Medigap Plan C gives you more coverage than Plans A and B. It’s one of the more comprehensive supplement plans, and its price tag reflects the added benefits. A Cook County woman would pay $163 a month for standard Plan C from HCSC (Blue Cross of IL). Plan C covers:

  • Part A coinsurance and hospital costs (up to 365 days after Medicare hospital benefits end)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Skilled nursing facility coinsurance
  • Part B deductible
  • Part B coinsurance or copayment
  • The first three pints of blood
  • 80% of foreign travel medical expenses (up to the plan limit)

You should also know that Medigap Plan C will be cut from the lineup starting next year. Along with Plan F – the other Medicare supplement plan that covers the Part B deductible – Plan C will be eliminated on January 1, 2020. You can buy this plan in 2019 and keep it after it gets eliminated, but no new C and F policies will be sold after January 2020.

2019 HCSC Medigap Plan F

Sold by: Blue Cross of IL, MT, NM, OK and TX

Medigap Plan F covers all of the Medicare supplement benefits available. There’s a high-deductible version of the plan as well. It covers the same benefits but requires you to meet a high annual deductible ($2,300 in 2019) before benefits will pay out. Plan F is a popular choice among Medigap customers. For an HCSC enrollee in Cook County, Illinois, Medigap Plan F would cost about $158 a month. The high-deductible version costs just $48 a month. Under this plan, you’ll be covered for:

  • Part A coinsurance and hospital costs (up to 365 days after Medicare hospital benefits end)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Skilled nursing facility coinsurance
  • Part B deductible
  • Part B coinsurance or copayment
  • Part B excess charges
  • The first three pints of blood
  • 80% of foreign travel medical expenses (up to the plan limit)

As we mentioned earlier, Plan F will be eliminated starting January 1, 2020. This plan still offers good protection, and you can keep it as long as you have it in place when it’s eliminated. But it may become more expensive to keep as fewer people enroll (and companies stop pricing it competitively).

2019 HCSC Medigap Plan G

Sold by: Blue Cross of IL, MT and TX

As an alternative to Plan F, Medigap Plan G covers almost all of the Medicare supplement benefits with the exception of the Part B deductible. That deductible is $185 for 2019, which means you might save more by picking Plan G and paying the deductible out of pocket. Plan G usually costs less than Plan F, and that’s the case with an HCSC plan sold by Blue Cross of Illinois. Our Cook County resident would pay about $147 a month for Plan G (saving $11 a month over Plan F). Plan G covers:

  • Part A coinsurance and hospital costs (up to 365 days after Medicare hospital benefits end)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Skilled nursing facility coinsurance
  • Part B coinsurance or copayment
  • Part B excess charges
  • The first three pints of blood
  • 80% of foreign travel medical expenses (up to the plan limit)

2019 HCSC Medigap Plan K

Sold by: Blue Cross of IL and TX

Medigap Plans K and L – both of which are offered by HCSC through different Blue Cross licensees – require enrollees to cover more of the costs of their care, unlike most Medigap plans. Plan K, for instance, only covers 50 percent of the cost of certain benefits, like the Part A deductible, until you meet the out-of-pocket maximum for the year. Medigap Plan K from Blue Cross of Illinois would cost our 65-year-old Cook County resident about $78 a month, making it far less expensive than other plan types. It covers:

  • Part A coinsurance and hospital costs (up to 365 days after Medicare hospital benefits end)
  • 50% of the Part A hospice care coinsurance or copayment
  • 50% of the Part A deductible
  • 50% of the skilled nursing facility coinsurance
  • 50% of the Part B coinsurance or copayment
  • 50% of the first three pints of blood

The out-of-pocket caps for Plans K and L are set by the federal government. In 2019, the cap for Plan K is $5,560. Once you reach that spending cap and pay your Medicare Part B deductible, the plan will pay for covered benefits at 100 percent for the rest of the calendar year.

2019 HCSC Medigap Plan L

Sold by: Blue Cross of IL and TX

Medigap Plan L covers the same benefits as Plan K but at a higher percentage, which means a higher price tag for you if you pick this plan. Still, it can be a good option depending on the kind of Medicare supplement plan that you need. For a 65-year-old Cook County resident, Medigap Plan L from HCSC costs about $112 a month. With this plan, you’ll find coverage for:

  • Part A coinsurance and hospital costs (up to 365 days after Medicare hospital benefits end)
  • 75% of the Part A hospice care coinsurance or copayment
  • 75% of the Part A deductible
  • 75% of the skilled nursing facility coinsurance
  • 75% of the Part B coinsurance or copayment
  • 75% of the first three pints of blood

Plan L also has a cap on out-of-pocket expenses for the year. It’s half the amount of Plan K’s cap at $2,780. Once you reach this amount and the Medicare Part B deductible, Plan L will cover the rest of your covered expenses at 100 percent for the remainder of the calendar year.

2019 HCSC Medigap Plan M

Sold by: Blue Cross of MT

Medicare supplement plans range from basic (like Plans A and B) to comprehensive (like Plans C and F). Medigap Plan M ranks on the comprehensive end of the spectrum, covering nearly all supplemental benefits with a few exceptions. Plus, this plan requires you to cover half of the Part A deductible yourself, without the benefit of an out-of-pocket spending cap like Plans K and L. HCSC sells Medigap Plan M only in Montana, via Blue Cross of Montana. A 65-year-old in Yellowstone County would pay about $131 a month for this policy. With Plan M, you’ll get coverage for:

  • Part A coinsurance and hospital costs (up to 365 days after Medicare hospital benefits end)
  • Part A hospice care coinsurance or copayment
  • 50% of the Part A deductible
  • Skilled nursing facility coinsurance
  • Part B coinsurance or copayment
  • The first three pints of blood
  • 80% of foreign travel medical expenses (up to the plan limit)

2019 HCSC Medigap Plan N

Sold by: Blue Cross of IL, MT, NM, OK and TX

Medigap Plan N covers the same types of benefits that Plan M covers with a couple notable differences. First, Plan N requires some cost sharing for medical and emergency care, and it covers the Part A deductible in full (rather than the 50 percent covered by Plan M). HCSC offers Plan N via Blue Cross licensees in all five states the company serves. A 65-year-old Cook County, Illinois, woman would pay about $109 a month for Plan N from Blue Cross. It covers:

  • Part A coinsurance and hospital costs (up to 365 days after Medicare hospital benefits end)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Skilled nursing facility coinsurance
  • Part B coinsurance or copayment
  • The first three pints of blood
  • 80% of foreign travel medical expenses (up to the plan limit)

As we mentioned, Plan N requires some cost sharing. With this plan, you’ll pay up to $20 per doctor’s office visit and up to $50 per ER visit if you don’t get admitted to the hospital as an inpatient. These cost-sharing amounts are set by the federal government and standardized across all plans regardless of the company selling them.

Still deciding which Medicare supplement or Medicare Advantage plan will work for you? Let us help. We’re Medicare experts who can guide you to the plan that makes sense for your needs and budget. Find accurate pricing and availability by getting a personalized quote today.

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1-800-810-1437TTY 711
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