Medicare Advantage

Blue Cross Blue Shield Medigap

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Comparing Blue Cross Blue Shield (BCBS) Medigap Plans For 2018
Blue Cross Blue Shield is one of the largest insurers in the country, operating under various entities in all 50 states and the District of Columbia. Because BCBS comprises 32 independent companies, their offerings for Medigap supplemental insurance vary widely in each state. Residents of Georgia, for example, may not find the same types of plans as people living in Connecticut. But because Medigap policies are standardized in all but three states – Wisconsin, Massachusetts and Minnesota – you’ll find the same level of coverage regardless of where you buy a plan. Georgia and Connecticut residents may not have the same plan options, but if they both have access to Plan C, the standard option will look the same in both states.

Confused already, don’t worry, you’re not alone. That’s why we’re here (nearly 24/7) to answer all of your questions.

BCBS Medigap Plan Pricing

Pricing also varies by where you live and other factors, including your health if you don’t sign up for Medigap when you’re first eligible. Blue Cross Blue Shield offers all 10 Medigap policies, labeled A through N, but availability depends on your state. Use the handy chart below to see which BCBS company operates in your area and which Medigap policies are available to you based on where you live. Note that plan options may still be limited in some areas of some states. This information is current as of March 2018.

2018 Blue Cross Blue Shield Medigap Plans By State

Location BlueCross Company Medigap Plans Available
Alabama Blue Cross and Blue Shield of Alabama A, B, F
Alaska Premera Blue Cross and Blue Shield of Alaska A, F, HF, G, N
Arizona Blue Cross Blue Shield of Arizona A, C, D, F, G, N
Arkansas Arkansas Blue Cross and Blue Shield A, C, F, HF, G, N
California Anthem Blue Cross

Blue Shield of California

Anthem: A, F, IF, G, N

Blue: A, C, D, F, HF, G, K, N

Colorado Anthem Blue Cross and Blue Shield Colorado A, F, G, N
Connecticut Anthem Blue Cross and Blue Shield Connecticut A, F, G, N
Delaware Highmark Blue Cross Blue Shield Delaware A, B, C, D, F, HF, G, N
D.C. CareFirst BlueCross BlueShield A, B, F, HF, G, L, N, M
Florida Florida Blue A, B, C, D, F, HF, G, K, L, M, N
Georgia Blue Cross Blue Shield of Georgia A, F, G, N
Hawaii Blue Cross and Blue Shield of Hawaii A, B, C – but not open for new enrollment
Idaho Blue Cross of Idaho

Regence BlueShield of Idaho

Blue Cross: A, F, K, N

Regence: A, C, F (and modified F), G, K, N

Illinois Blue Cross and Blue Shield of Illinois A, B, C, F, HF, G, K, L, N
Indiana Anthem Blue Cross and Blue Shield Indiana A, F, G, N
Iowa Wellmark Blue Cross and Blue Shield A, D, F, HF, G, N
Kansas Blue Cross and Blue Shield of Kansas A, C, F, G, K, N
Kentucky Anthem Blue Cross and Blue Shield Kentucky A, F, IF, G, N
Louisiana Blue Cross and Blue Shield of Louisiana A, B, F, G, N
Maine Anthem Blue Cross and Blue Shield Maine A, F, G and N
Maryland CareFirst BlueCross BlueShield A, B, F, HF, G, L, N, M
Massachusetts Blue Cross and Blue Shield of Massachusetts Standardized differently
Michigan Blue Cross Blue Shield of Michigan A, C, F, HF, N
Minnesota Blue Cross and Blue Shield of Minnesota Standardized differently
Mississippi Blue Cross & Blue Shield of Mississippi A, B, C, D, F, G
Missouri Anthem Blue Cross and Blue Shield Missouri

Blue Cross and Blue Shield of Kansas City

Anthem: A, F, G, N

BCBS: A, B, C, F, G, N

Montana Blue Cross and Blue Shield of Montana A, C, F, HF, M, N
Nebraska Blue Cross and Blue Shield of Nebraska A, B, C, F, G, L
Nevada Anthem Blue Cross and Blue Shield Nevada A, F, IF, IG, N, IN
New Hampshire Anthem Blue Cross and Blue Shield New Hampshire A, F, G, N
New Jersey Horizon Blue Cross and Blue Shield of New Jersey A, C, F, G, K, N
New Mexico Blue Cross and Blue Shield of New Mexico A, B, F, HF, N
New York Empire Blue Cross Blue Shield

BlueCross BlueShield of Western New York

BlueShield of Northeastern New York

Excellus BlueCross BlueShield

Empire: No plans available

BCBS Western: A, B, C, F, HF

BS Northeastern: A, B, C, F, HF

Excellus: A, B, C, F, HF, N

North Carolina Blue Cross and Blue Shield of North Carolina A, B, C, D, F, HF, G, K, L, M, N
North Dakota Blue Cross Blue Shield of North Dakota A, C, F, HF, G, L, N
Ohio Anthem Blue Cross and Blue Shield Ohio A, F, G, N
Oklahoma Blue Cross and Blue Shield of Oklahoma A, F, HF, N
Oregon Regence BlueCross BlueShield A, C, F, G, K, N
Pennsylvania Capital BlueCross

Highmark Blue Shield

Highmark Blue Cross Blue Shield

Independence Blue Cross

Capital: A, B, C, F, G, N

Highmark BS:  A, B, C, D, F, HF, G, N

Highmark BCBS: A, B, C, D, F, HF, G, N

Independence: A, B, C, F, HF, N

Rhode Island Blue Cross & Blue Shield of Rhode Island A, F (and Select F)
South Carolina Blue Cross and Blue Shield of South Carolina A, B, C, D, F, HF, G, L, N
South Dakota Wellmark Blue Cross and Blue Shield A, D, F, HF, G, N
Tennessee BlueCross BlueShield of Tennessee A, C, D, F, G, N
Texas Blue Cross and Blue Shield of Texas A, F, HF, G, K, L, N
Utah Regence BlueCross BlueShield A, C, F, G, K, N
Vermont Blue Cross and Blue Shield of Vermont A, C, D, F, N
Virginia Anthem Blue Cross and Blue Shield Virginia

CareFirst BlueCross BlueShield

Anthem: A, F, G, N

CareFirst: A, B, F, HF, G, L, M, N

Washington Premera Blue Cross

Regence BlueShield

Premera: A, F, HF, G, N

Regence: A, C, F, G, K, N

West Virginia Highmark Blue Cross Blue Shield West Virginia A, C, D, F, HF, G, N
Wisconsin Anthem Blue Cross and Blue Shield Wisconsin Standardized differently
Wyoming Blue Cross Blue Shield of Wyoming A, C, F, HF, G, K, N

Understanding Medigap And The Various Plan Parts

Medigap Plan A, Medigap Plan B, Medigap Plan C, D, F, G, oh my! Why are there so many parts to Medigap and with all of these different letters? We know it can be confusing, but Medigap, like medicare in general, is constantly evolving as time goes on. Pretty soon we’ll run out of letters in the alphebet, but until then, let’s contonuine on learning about this together.

On the chart above, the “HF” stands for high-deductible Plan F. High deductible plans offer the same coverage as regular Plan F but requires you to meet a high deductible before benefits pay out. Anthem, which operates in 12 states, offers an “innovative” option for some of its plans in some areas. This is noted on the chart with an “I” before the plan letter.

Blue Cross Blue Shield (BCBS) only offers all 10 Medigap policies in Florida and North Carolina, but even here, plan availability might vary based on the county where you live. But because the company does offer all 10 plans, we’ll outline what those plans cover since, again, coverage is standardized at the federal level in all but three states. If you live in Minnesota, Massachusetts or Wisconsin, then you’ll have different plan options because these states regulate Medigap plans differently.

Here’s what you can expect from the standard Medigap plan types in 2018:

Blue Cross Blue Shield Medigap Plan A

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure

Blue Cross Blue Shield Medigap Plan B

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure
  • Medicare Part A deductible

Blue Cross Blue Shield Medigap Plan C

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure
  • Medicare Part A deductible
  • Coinsurance for skilled nursing facility care
  • Medicare Part B deductible
  • Foreign travel emergencies up to plan limits

Blue Cross Blue Shield Medigap Plan D

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure
  • Medicare Part A deductible
  • Coinsurance for skilled nursing facility care
  • Foreign travel emergencies up to plan limits

Blue Cross Blue Shield Medigap Plan F

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure
  • Medicare Part A deductible
  • Coinsurance for skilled nursing facility care
  • Medicare Part B deductible
  • Foreign travel emergencies up to plan limits
  • Medicare Part B excess charges

Blue Cross Blue Shield Medigap Plan G

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure
  • Medicare Part A deductible
  • Coinsurance for skilled nursing facility care
  • Foreign travel emergencies up to plan limits
  • Medicare Part B excess charges

Blue Cross Blue Shield Medigap Plan K

  • Medicare Part A coinsurance and coverage for hospital benefits
  • 50% of Medicare Part B coinsurance or copayments
  • 50% of coinsurance or copayments for hospice care
  • 50% of the first three pints of blood in a medical procedure
  • 50% of Medicare Part A deductible
  • 50% of coinsurance for skilled nursing facility care

Blue Cross Blue Shield Medigap Plan L

  • Medicare Part A coinsurance and coverage for hospital benefits
  • 75% of Medicare Part B coinsurance or copayments
  • 75% of coinsurance or copayments for hospice care
  • 75% of the first three pints of blood in a medical procedure
  • 75% of Medicare Part A deductible
  • 75% of coinsurance for skilled nursing facility care

Blue Cross Blue Shield Medigap Plan M

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments – with a caveat
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure
  • 50% of Medicare Part A deductible
  • Coinsurance for skilled nursing facility care
  • Foreign travel emergencies up to plan limits

Blue Cross Blue Shield Medigap Plan N

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments – with a caveat
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure
  • Medicare Part A deductible
  • Coinsurance for skilled nursing facility care
  • Foreign travel emergencies up to plan limits

Other Benefits For Blue Cross Blue Shield Medigap Plans

Some Blue Cross Blue Shield Medigap policies include additional benefits beyond the standard coverage that’s mandated at the federal level. These include dental and vision benefits under some plans (labeled as “Innovative Plan G,” for example). Members in some states may also get discounts on additional coverage for things that original Medicare doesn’t cover, such as Lasik surgery and heart rate monitors. Membership in SilverSneakers, a fitness program for seniors, is also included in many BCBS plans. This program gives you access to gyms, group exercise classes and fitness equipment at participating locations nationwide.

Certain companies also offer different kinds of benefits along with the standard Medigap policy coverage. Florida residents, for instance, can enroll in Florida Blue’s Supplement Plan C or Supplement Select Plan C. These plans cover the same benefits, but with the Select option – which exists for other letter types as well – enrollees will only receive maximum benefits at participating providers (those who accept assignment from original Medicare). The tradeoff is that Select plans cost slightly less. A 65-year-old woman living in Orange County would pay about $194 a month for regular Plan C and $182 a month for the Select version. Louisiana and Illinois also offer Select versions of certain Medigap plans, and you may find similar offerings depending on your state.

Pricing and availability will always vary with Medigap, but it’s particularly important with Blue Cross Blue Shield since this company comprises so many different independent licensees. Typically we break out some example plans and pricing based on state (county specifically) and age, but because of how many variables there are with BCBS, we feel it is best for you to simply shop the plans yourself. If you have made it this far, you have done a significant amount of reading.

For specific pricing information, start with where you live, and browse your options. Some states offer pricing tables, but getting a quote based on your specific situation is the best way to compare policies and costs. You can use our toll free number to connect direct with a licensed medicare / medigap, professional, or you can use one of our forms to connect with pricing online.

Need help? Speak with a human.

1-800-810-1437TTY 711 2018 Medicare Plan Finder ›