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Blue Medicare Supplement Insurance Plans

Compare All Medicare Supplement Insurance Plans

Blue Cross and Blue Shield of Illinois (BCBSIL) offers a variety of Medicare Supplement Insurance Plans. Blue Medicare Supplement Insurance standard plans do not require underwriting. Medicare Supplement Insurance secure plans offer the same benefit as standard plans but have lower rates if you can pass a series of health-related screening questions.

Select one of the tabs to learn more about our guaranteed issue plans or our secure plans.

 

Medicare Supplement Insurance Plans are identified by the letters A, B, C, D, F, G, M and N. Each plan covers a different set of costs. 

This chart lists plans available in Illinois. 

Basic Benefit Option Comprehensive Plan Option Innovative Plan Options Budget-Conscious Plan Options
Plan A  Plan G8 Plan G Plus8 High Deductible Plan G Plus8 High Deductible Plan G8 Plan N7
Reduced Premium Medicare Select Option Available1,2 (eligibility based on ZIP code)
Basic Benefits ✔ 




copay applies7
Skilled Nursing Coinsurance ✔  ✔  ✔ 
Part A Deductible ✔  ✔ 
Part B Deductible
Part B3
Excess
✔  ✔  ✔  ✔ 
Foreign Travel4
Emergency Care
✔  ✔  ✔ 
Routine Hearing Exam ✔  ✔  ✔  ✔ 
24/7 Nurseline
Annual Out-of-Pocket Limit5
Vision Benefits9
Dental Benefits9   ✔  ✔ 

Plan F and High Deductible Plan F

Plan F and High Deductible Plan F are also available to anyone who was eligible for Medicare before 2020.

Eligibility

Eligibility is simple. If you’re at least 65, you must be:

  • Enrolled in Medicare Parts A and B.
  • A resident of the state where the plan is offered.

If you’re under 65 and disabled, you must be:

  • Getting Social Security Disability Insurance for 24 consecutive months, or
  • Diagnosed with Amyotrophic Lateral Sclerosis (ALS), in which case Medicare starts immediately.

Enrollment Periods

If you are aging into Medicare, you can enroll in the Medicare Supplement Insurance Secure Plans during the six-month open enrollment period that starts once you’re 65 and have Medicare Part B. This six-month open enrollment period is the best time to enroll because it’s the only time when enrollment is guaranteed, and you don’t have to undergo underwriting. If you have already aged into Medicare and want a secure plan, you must apply. You can apply at any time. You must answer questions about your health history to qualify.

Under Illinois Senate Bill 147, if you are age 65 – 75 and have an existing Medicare Supplement Insurance policy through Blue Cross and Blue Shield of Illinois, you have access to a 45-day annual enrollment period that starts on your birthday. You can apply to any Medicare Supplement Insurance policy with the same issuer that offers equal or lesser benefits to your current policy.

During this 45-day period your application cannot be denied, conditioned, nor discriminated in the pricing of coverage due to health status, claims experience, receipt of health care, or a medical condition.

Contact Blue Medicare Supplement Insurance Customer Service for more information.

Guaranteed Eligibility

These plans are only guaranteed eligibility under one of the Guarantee Issue provisions and during the six-month Open Enrollment Period that begins on the first day of the month in which you turn 65 and are enrolled in Medicare Part B. If you are under 65, have Medicare Part A and are within the six months following your enrollment for Medicare Part B, your acceptance is guaranteed for Plan A. If you are under age 65 and on Medicare, you will also have a six-month Open Enrollment Period when you reach age 65, beginning on the first day of the month in which you turn 65. In any scenario, you must have Medicare Part B to be eligible for a Medicare Supplement Insurance policy.

Premium Discounts

BCBSIL Medicare Supplement Insurance premium discounts may be available. Read the eligibility criteria to see if you qualify. If you are eligible for a discount, the discount will be applied to your next bill and remain in effect as long as you are enrolled in your BCBSIL Medicare Supplement Insurance Plan.

Eligibility Criteria

Household Discount

You may be eligible for a discount if you and at least one or more other persons reside in the same household and are both enrolled in a BCBSIL Medicare Supplement Insurance policy effective on or after May 1, 2019.

Continue With Blue Discount

You may be eligible for a discount if you were enrolled in employer-provided or individual health coverage with a Blue Cross and Blue Shield plan issued in Illinois, Montana, New Mexico, Oklahoma, or Texas and that coverage was within one year of your BCBSIL Medicare Supplement Insurance policy becoming effective.

This applies to BCBSIL Medicare Supplement Insurance policies issued with an effective date on or after April 1, 2022.

Reduced Premium Options for Plans With Medicare Select

Some Medicare Supplement Insurance Plans have a money saving option called Medicare Select. With this option, the Medicare Part A deductible is covered for non-emergency care at Medicare Select hospitals. If it’s an emergency, the Part A deductible is covered at any hospital.

Medicare Select is not an HMO. You can choose your own doctors and specialists. To avoid paying the Part A deductible, you must agree to use a Medicare Select hospital for non-emergency care.

You’re eligible if you live within 30 miles of any Medicare Select hospital. Find a list of Medicare Select hospitals. Plans F, G, and N have Medicare Select options in Illinois.

Only certain hospitals are network providers under this policy. Check with your doctor to find out if he or she has admitting privileges at the network hospital. If he or she does not, you may be required to use another doctor at the time of hospitalization or, if you still use a non-network hospital, you must pay the Part A deductible and any non-covered charges.

Introducing a New Plan G Option: Plan G Plus

Beginning February 1, 2022 all Blue Medicare Supplement Plan Gs (standard, select, and high deductible) have plus options. Plan G Plus plans have the same medical coverage as their regular versions. They also have additional benefits and programs included so members can get more out of their Blue Medicare Supplement Insurance Plan. Additional benefits and programs include dental, vision, hearing, and fitness.

Read this chart for more details.

Dental

Preventive Services

  • Cleanings, 2x per calendar year
  • Oral exams, 2x per calendar year
  • Dental X-rays, 1x per calendar year

Oral cancer screening, 1x per calendar year

Extractions (unlimited)

Restorative (fillings), 1x per tooth per calendar year

 

0%
0%
0%


0%

25%

50%

 

50%
50%
50%


50%

50%

50%

Vision

Routine exam with dilation, 1x every 12 months

Eyeglasses or contact lenses
(conventional & disposable)

$0
 

Remaining balance after $130 allowance

$40
 

Remaining balance after $65 reimbursement

Hearing

Routine exam, 1x every 12 months

Advanced hearing aid member fee with recharge

Premium hearing aid member fee with recharge

$0

$699 per aid


$999 per aid

Fitness Access to the SilverSneakers® program
Benefit Description Member Pays
In-Network
Member Pays
Out-of-Network

Help Me Choose a Plan

Not sure what you need? Answer a few questions to help you decide. Get started

Now that you’ve picked a plan, it’s time to enroll.

Useful Tools

The out-of-pocket annual limit will increase each year for inflation.

Rates as of 04/01/2022. Rates are illustrative only. Actual rates are based on your age, where you live, and your choice of coverage. Please do not send money, you cannot obtain coverage under the above plans until an application is completed and approved. Benefit exclusions and limitations might apply.

Important Information About Quotes for Medicare Supplement Insurance Plans

Quoted prices are based on the criteria specified during your search. This illustration is subject to Blue Cross and Blue Shield of Illinois's rating or underwriting and approval, as appropriate, and does not guarantee rates, coverage or effective date. Furthermore, rates are subject to change if any of the information you have provided changes when and if a policy is approved. In addition, Blue Cross and Blue Shield of Illinois reserves the right to change rates from time to time.

  1. Medicare Select Plans require that you use Blue Cross and Blue Shield of Illinois contracting Medicare Select hospitals for non-emergency admissions to receive coverage for the Medicare Part A deductible. In an emergency, the $1,556 deductible is covered at any hospital from which you receive care. Only certain hospitals are network providers under this policy. Check with your physician to determine if he or she has admitting privileges at the network hospital. If he or she does not, you may be required to use another physician at the time of hospitalization or you will be required to pay for all expenses. If you move out of the service area, there will be a reduction of benefit coverage and you will have the opportunity to purchase any Medicare Supplement Insurance policy with comparable or lesser benefits offered by the insurer, or Medicare Supplement Insurance/Select plans A, B, C, F, from any insurer within 63 days of termination.
  2. You must live within 30 miles of a participating Medicare Select hospital to be eligible.
  3. Not to exceed any charge limitation established by the Medicare program or state law.
  4. Plans cover medically necessary emergency care services needed immediately because of an injury or illness of sudden and unexpected onset, beginning during the first 60 days of each trip outside the USA. There is a deductible of $250 and a lifetime maximum benefit of $50,000.
  5. The out-of-pocket annual limit may increase each year for inflation (2022 limits shown).
  6. Plan N requires a copayment of up to $20 for office visits and a copayment of up to $50 for ER.
  7. These high deductible plans pay the same benefits as Plans F and G after one has paid a calendar-year $2,490 deductible. Benefits from High Deductible Plans F and G will not begin until out-of-pocket expenses are $2,490. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B, but does not include the plan’s separate foreign travel emergency deductible.

For a detail explanation of dental, hearing, and vision benefits for Plan G Plus options, refer to the outline of coverage.

ILMSGIMICROSITE-REV 2/22

Starting April 1, 2022, you may be eligible for our newly released secure Medicare plans A, F, G, and N. These plans offer the same benefit as standard plans but have lower rates if you can pass a series of health related questions.

This chart lists plans available in Illinois.

Basic Benefit Comprehensive Budget-Conscious
Plan A Secure  Plan G Secure Plan F secure Plan N Secure
Reduced Premium Blue Plan65 select Option Available (eligibility based on ZIP code)
Basic Benefits ✔ 


copay applies
Skilled Nursing Coinsurance ✔ 
Part A Deductible
Part B Deductible ✔ 
Part B
Excess
✔ 
Foreign Travel
Emergency Care
✔  ✔  ✔ 
Routine Hearing Exam ✔  ✔  ✔  ✔ 
24/7 Nurseline ✔  ✔  ✔  ✔ 

Eligibility

Eligibility is simple. If you’re at least 65 and aging into Medicare or fall under one of the guaranteed eligibility provisions, you must be:

  • Enrolled in Medicare Parts A and B.
  • A resident of the state where the plan is offered.

If you meet the eligibility requirements, these plans are guaranteed enrollment within 6 months of your 65th birthday or 6 months of your Part B effective date.

You can enroll in one of these plans without passing a series of health questions.

If you’re under 65 and disabled, you must:

  • Be enrolled in Medicare Parts A and B.
  • A resident of the state where the plan is offered.
  • Undergo underwriting.

If you pass the requirements, you may qualify for better pricing.

If you are over 65, and do not pass underwriting, you may qualify for one of our other guarantee issue plans.

Enrollment Periods

If you are aging into Medicare, you can enroll in the Medicare Supplement Insurance Secure Plans during the six-month open enrollment period that starts once you’re 65 and have Medicare Part B. This six-month open enrollment period is the best time to enroll because it’s the only time when enrollment is guaranteed, and you don’t have to undergo underwriting. If you have already aged into Medicare and want a secure plan, you must apply. You can apply at any time. You must answer questions about your health history to qualify.

Under Illinois Senate Bill 147, if you are age 65 – 75 and have an existing Medicare Supplement Insurance policy through Blue Cross and Blue Shield of Illinois, you have access to a 45-day annual enrollment period that starts on your birthday. You can apply to any Medicare Supplement Insurance policy with the same issuer that offers equal or lesser benefits to your current policy.

During this 45-day period your application cannot be denied, conditioned, nor discriminated in the pricing of coverage due to health status, claims experience, receipt of health care, or a medical condition.

Contact Blue Medicare Supplement Insurance Customer Service for more information.

Guaranteed Eligibility

These plans are only guaranteed eligibility under one of the Guarantee Issue provisions and during the six-month Open Enrollment Period that begins on the first day of the month in which you turn 65 and are enrolled in Medicare Part B. If you are under 65, have Medicare Part A and are within the six months following your enrollment for Medicare Part B, your acceptance is guaranteed for Plan A. If you are under age 65 and on Medicare, you will also have a six-month Open Enrollment Period when you reach age 65, beginning on the first day of the month in which you turn 65. In any scenario, you must have Medicare Part B to be eligible for a Medicare Supplement Insurance policy.

Premium Discounts

BCBSIL Medicare Supplement Insurance premium discounts may be available. Read the eligibility criteria to see if you qualify. If you are eligible for a discount, the discount will be applied to your next bill and remain in effect as long as you are enrolled in your BCBSIL Medicare Supplement Insurance Plan.

Eligibility Criteria

Household Discount

You may be eligible for a discount if you and at least one or more other persons reside in the same household and are both enrolled in a BCBSIL Medicare Supplement Insurance policy effective on or after May 1, 2019.

Continue With Blue Discount

You may be eligible for a discount if you were enrolled in employer-provided or individual health coverage with a Blue Cross and Blue Shield plan issued in Illinois, Montana, New Mexico, Oklahoma, or Texas and that coverage was within one year of your BCBSIL Medicare Supplement Insurance policy becoming effective.

This applies to BCBSIL Medicare Supplement Insurance policies issued with an effective date on or after April 1, 2022.

Reduced Premium Options for Plans With Medicare Select

Some Medicare Supplement Insurance Plans have a money saving option called Medicare Select. With this option, the Medicare Part A deductible is covered for non-emergency care at Medicare Select hospitals. If it’s an emergency, the Part A deductible is covered at any hospital.

Medicare Select is not an HMO. You can choose your own doctors and specialists. To avoid paying the Part A deductible, you must agree to use a Medicare Select hospital for non-emergency care.

You’re eligible if you live within 30 miles of any Medicare Select hospital. Find a list of Medicare Select hospitals. Plans F, G, and N have Medicare Select options in Illinois.

Only certain hospitals are network providers under this policy. Check with your doctor to find out if he or she has admitting privileges at the network hospital. If he or she does not, you may be required to use another doctor at the time of hospitalization or, if you still use a non-network hospital, you must pay the Part A deductible and any non-covered charges.

  • How To Enroll

    You can apply for a Blue Medicare Supplement Insurance Plan online, over the phone, or through the mail.

    You can access your Outline of Coverage on our Forms & Documents page.

    WEB

    You can enroll through our secure and convenient Blue Medicare Supplement Insurance Secure Plan online application form.

    CALL 1-877-213-1821 TTY 711

    For personal help applying for a plan:

    We are open 8 a.m. – 8 p.m., local time, 7 days a week. If you are calling from April 1 through September 30, alternate technologies, (for example, voicemail) will be used on weekends and holidays.

    MAIL

    Complete an application: You can download your Outline of Coverage and Application from our Forms & Documents page and mail it to:

    Blue Medicare Supplement
    c/o Member Services
    P.O. Box 3388
    Scranton, PA  18505

    Outline of Coverage

    Medicare Supplement Insurance Secure Plans Metro Area for Standard & Medicare Select Plans

    English | español

    Medicare Supplement Insurance Secure Plans State Area for Standard Plans

    English | español

    Application

    Medicare Supplement Insurance Secure Application

    English | español

    Find out about your Open Enrollment Period and other information:

    Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare

Help Me Choose a Plan

Not sure what you need? Answer a few questions to help you decide. Get started

Now that you’ve picked a plan, it’s time to enroll.

Useful Tools

The out-of-pocket annual limit will increase each year for inflation.

Rates as of 04/01/2022. Rates are illustrative only. Actual rates are based on your age, where you live, and your choice of coverage. Please do not send money, you cannot obtain coverage under the above plans until an application is completed and approved. Benefit exclusions and limitations might apply.

Important Information About Quotes for Medicare Supplement Insurance Plans

Quoted prices are based on the criteria specified during your search. This illustration is subject to Blue Cross and Blue Shield of Illinois's rating or underwriting and approval, as appropriate, and does not guarantee rates, coverage or effective date. Furthermore, rates are subject to change if any of the information you have provided changes when and if a policy is approved. In addition, Blue Cross and Blue Shield of Illinois reserves the right to change rates from time to time.

  1. Medicare Select Plans require that you use Blue Cross and Blue Shield of Illinois contracting Medicare Select hospitals for ‭non-emergency admissions to receive coverage for the Medicare Part A deductible. In an emergency, the $1,556 deductible is covered at any hospital from which you receive care. Only certain hospitals are network providers under this policy. Check ‭with your physician to determine if he or she has admitting privileges at the network hospital. If he or she does not, you may ‭be required to use another physician at ‬‬‬the time of hospitalization or you will be required to pay for all expenses. If you move out of the service area, there will be a reduction of benefit coverage and you will have the opportunity to purchase any Medicare Supplement Insurance policy with comparable or lesser benefits offered by the insurer, or Medicare Supplement Insurance/Select plans A, ‭B, C, or F from any insurer within 63 days of termination.‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬
  2. You must live within 30 miles of a participating Medicare Select hospital to be eligible.
  3. Not to exceed any charge limitation established by the Medicare program or state law.
  4. Plans cover medically necessary emergency care services needed immediately because of an injury or illness of sudden and unexpected onset, beginning during the first 60 days of each trip outside the USA. There is a deductible of $250 and a lifetime maximum benefit of $50,000.
  5. The out-of-pocket annual limit may increase each year for inflation (2022 limits shown).
  6. Plan N requires a copayment of up to $20 for office visits and a copayment of up to $50 for ER.
  7. These high deductible plans pay the same benefits as Plans F and G after one has paid a calendar-year $2,490 deductible. Benefits from High Deductible Plans F and G will not begin until out-of-pocket expenses are $2,490. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B but does not include the plan’s separate foreign travel emergency deductible.

ILMSSECMICROSITE-REV 2/22