Medicare Supplement Insurance Plans

Reliable, Affordable Medicare Supplement Plans from the Illinois Leader in Medicare Supplement Protection

With Blue Cross and Blue Shield of Illinois, you don't have to sacrifice comprehensive benefits or freedom of choice for affordability. Our Medicare Supplement (Medigap) insurance plans provide substantial benefits at rates that can save you money over other plans.

Premier Coverage Plans

• Our most robust and popular plans, Plan C, Plan F and Plan G, pay the Medicare Part A hospital deductible and copayments, skilled nursing facility copayment and foreign travel emergency care.
• Of all available standardized plans, Plans F and G offer the most complete protection for uncovered Medicare Part B excess charges.
• Plan F also covers the Medicare Part B deductible.
• Plan C covers the Medicare Part B deductible but does not cover Part B excess charges.

Budget-Conscious Plans

High Deductible Plan F, Plan K, Plan L and Plan N include cost-sharing features that allow you to save on premiums while still receiving dependable coverage.

• High Deductible Plan F features a $2,000 annual deductible before plan benefits begin
• Plan N features an office visit and emergency room copayment applicable to each visit
• Plans K and L feature cost sharing for covered services under Medicare Part A and Part B. Once your annual out-of-pocket expenses reach the required limit, the plan pays 100% of covered expenses for the remainder of the calendar year.

We also offer plans A and B if you are seeking a low-cost basic benefits plan. Compare Medicare Supplement Plans

Reduced Premium Medicare Select Option

All of our plans except Plan A and High Deductible Plan F offer a reduced premium Medicare Select option with the same solid benefits as their standard plan counterparts. Medicare Select is not an HMO.

• You save on premiums by agreeing to use any of our Medicare Select participating hospitals for non-emergency elective admissions.
• If you do not use one of these hospitals for your non-emergency admissions, you pay the Part A deductible.
• With Medicare Select, you are fully covered for emergency care at any hospital, and you can choose your own doctors and specialists.
• To qualify for Medicare Select, you must live within a 30-mile radius of a Medicare Select participating hospital.

Blue Cross and Blue Shield of Illinois Member Benefits

All Blue Cross and Blue Shield of Illinois Medicare Supplement plans give you:

• Guaranteed acceptance† with no health questions asked
• Freedom to choose any doctor or specialist
• Hospice care coinsurance and prescription coverage
• Coverage when traveling within the United States (Plans C, F, G and N also cover foreign travel)
• Guaranteed renewability regardless of changes in your health
• Coverage guaranteed to match Medicare's cost increases year after year
• Exclusive member discount program
• No claim forms, in most cases
• Responsive customer service

†Must be an Illinois resident, age 65 or over with Medicare Parts A and B, or must meet under age 65 disability requirements.