Blue Medicare SupplementSM Insurance Plans (Medigap) | Blue Cross and Blue Shield of Illinois

Blue Medicare Supplement Insurance Plan 

Compare All Medicare Supplement Insurance Plans

Medicare Supplement Insurance Plans are identified by the letters A, B, C, D, F, G, K, L, M and N. Each plan covers a different set of costs. The chart below shows plans available in Illinois.

Basic Benefit Options Comprehensive Plan Options Budget-Conscious Plan Options
Plan A Plan B Plan C Plan F Plan G High Deductible Plan F6 Plan K7 Plan
L7
Plan N
Reduced Premium Medicare Select Option Available1, 2 (eligibility based on ZIP code) ✔  ✔  ✔  ✔  ✔  ✔  ✔ 
Basic Benefits ✔  ✔  ✔  ✔  ✔  ✔  100%/
50%
100%/
75%

copay
applies
Skilled Nursing Coinsurance ✔  ✔  ✔  ✔  50% 75% ✔ 
Part A Deductible ✔  ✔  ✔  ✔  ✔  50% 75% ✔ 
Part B Deductible ✔  ✔  ✔ 
Part B3
Excess
✔  ✔  ✔ 
Foreign Travel 4
Emergency Care
✔  ✔  ✔  ✔  ✔ 
Annual Out-of-Pocket Limit 5 $5,240 $2,620

 

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
  • Be diagnosed with ALS (Amyotrophic Lateral Sclerosis), in which case Medicare starts immediately

Enrollment Periods

You can enroll in a Medicare Supplement Insurance Plan 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. If you want a Medicare Supplement Insurance Plan after the open enrollment period, you may have to meet certain requirements and could pay more for the plan.

Guaranteed Eligibility

The best time to buy a Medicare Supplement insurance policy is around the time you turn 65. You have guaranteed acceptance 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 scenarios, you must have Medicare Part B to be eligible for a Medicare Supplement insurance policy.

Reduced Premium Options for Plans With Limited Networks

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, K, L 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.

Help Me Choose A Plan

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

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

Rates as of 04/01/2018. 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 $1,340 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 policy with comparable or lesser benefits offered by the insurer, or Medicare Supplement/Select plans A, ‭B, C, F, K, or L 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 (2018 limits shown).
  6. This high deductible plan pays the same benefits as Plan F after one has paid a calendar-year $2,240 deductible. Benefits from ‭High Deductible Plan F will not begin until out-of-pocket expenses are $2,240. 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.
  7. Plans K and L provide for different cost-sharing for items and services than the other plans we offer. Once you reach the annual limit, the plan pays 100% of the Medicare copayments and coinsurance for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges ‭from your provider that exceed Medicare approved amounts, called “excess charges.” You will be responsible for paying ‭excess charges.‬‬‬
  8. Plan N requires a copayment of up to $20 for office visits and a copayment of up to $50 for ER.

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