Medicare Supplement Insurance Plans

Reliable, Affordable 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 plans provide substantial benefits at rates that can save you money over other plans.

Choose from Nine Medicare Supplement Plans

Our two most comprehensive and popular plans, Plan D and Plan F, pay the Medicare Part A hospital deductible and copayments, your skilled nursing facility copayment and for foreign travel emergency care. In fact, no other standardized Medicare Supplement plan offered in Illinois offers more complete protection for your uncovered Part B medical expenses than Plan F.

High deductible Plan F has the same benefits as Plan F after the annual deductible has been paid. The deductible amount represents the annual out-of-pocket expenses (excluding premiums) that you must pay before the policy begins paying benefits.

Our Plan K and Plan L both include a cost-sharing feature that allows you to save substantially on premiums while still receiving dependable coverage. With these plans, you pay some costs for covered services under Medicare Part A and Part B and the plan pays the rest. Once your annual out-of-pocket expenses reach $4,620 with Plan K, or $2,310 with Plan L, the plan pays 100% of covered expenses for the remainder of the calendar year.

We also offer a basic Plan A.

Medicare Supplement Plan D covers:

• Your Part A deductible and coinsurance
• The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
• Your Part B coinsurance and the cost of the first three pints of blood
• Medicare Part A hospital deductible and copayments
• Skilled nursing facility copayment
• Foreign travel emergency care
• Important benefits for at-home care after a hospital stay in addition to the basic benefits

Medicare Supplement Plan F covers:

• Your Part A deductible and coinsurance
• The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
• Your Part B coinsurance and the cost of the first three pints of blood
• Medicare Part A hospital deductible and copayments
• Skilled nursing facility copayment
• Foreign travel emergency care
• $155 Part B Medicare deductible
• Part B doctor charges that are in excess of Medicare-approved amounts High Deductible Medicare

High Deductible Supplement Plan F covers:

• High Deductible Plan F pays the same benefits as Plan F after you pay a calendar year deductible $2,000.
• Your Part A deductible and coinsurance
• Your Part B coinsurance and the cost of the first three pints of blood
• Benefits from High Deductible Plan F will not begin until your out-of-pocket expenses total $2,000.
• Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy.
• These expenses include the Medicare deductibles for Part A and B.
• These expenses do not include Plan F’s separate foreign travel emergency deductible.
• Medicare Part A hospital deductible and copayments
• Skilled nursing facility copayment
• $155 Part B Medicare deductible
• Part B doctor charges that are in excess of Medicare-approved amounts
• The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends

Medciare Supplement Plan K covers:

• Fifty percent of your Part A deductible and coinsurance
• The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
• Preventive benefits for Medicare-covered services usually leave you with 25% to pay -- plan K pays that 25%
• Ten percent of your 20% Part B coinsurance and the 50% of the cost of the first three pints of blood
• Fifty percent of the skilled nursing facility copayment
• Once you've reached your $4,620 annual out-of-pocket limit, the plan pays 100% of the Medicare copayments, coinsurance and deductibles for the rest of the calendar year.

Medicare Supplement Plan L Covers:

• Seventy-five percent of your Part A deductible and coinsurance
• The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
• Preventive benefits for Medicare-covered services usually leave you with 25% to pay -- plan L pays that 25%
• Fifteen percent of your 20% Part B coinsurance and the 75% of the cost of the first three pints of blood
• Seventy-five percent of the skilled nursing facility copayment
• Once you've reached your $2,310 annual out-of-pocket limit, the plan pays 100% of the Medicare copayments, coinsurance and deductibles for the rest of the calendar year.

Basic Medicare Supplement Plan A covers:

• Your Part A coinsurance
• The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
• Your Part B coinsurance and the cost of the first three pints of blood

Consider Our Money-Saving Med-Select Option

Our Plan D, Plan F, Plan K and Plan L Med-Select options offer you the same solid benefits as our "standard" plans, but cost less. You save on premiums simply by agreeing to use any of our Med-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 $1,100 Part A deductible. Med-Select is not an HMO. With Med-Select, you are fully covered for emergency care at any hospital, and you can choose your own doctors and specialists.

Med-Select is available in specific geographic areas only. You must live within a 30 mile radius of a Med-Select participating hospital.

Blue Cross 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 doctors or specialists
• Coverage with domestic travel (Plans D and F cover foreign travel)
• Guaranteed renewability regardless of changes in your health
• Coverage guaranteed to match Medicare's cost increases year after year
• Member discounts on wellness products and services including vision, fitness clubs, weight management, complementary alternative medicine, hearing and more
• No claim forms, in most cases
• Excellent Customer Service (toll-free, Monday through Friday, 7 a.m. to 7 p.m.)

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

We also offer Plans B, C and E. Please call 1-800-646-3000 to learn more about these plans.