How much does blue cross blue shield medicare supplement cost

Looking for dental, vision, and hearing coverage, too?

For a little more than $15 a month you can add dental, vision and hearing coverage to your Medicare Supplement plan. This package is available to all Blue Cross Medicare Supplement members. This additional coverage gives you:

• Dental exams, cleanings, x-rays and fluoride at no additional cost when you use an in-network provider
• In-network vision coverage that includes standard lenses every 12 months
• One hearing exam every 12 months and savings of up to 60% off average retail hearing aid prices at a TruHearing® provider

Dental Vision Hearing Package details (PDF)

Current Blue Cross Medicare Supplement and Legacy Medigap members can choose to enroll in the new Dental Vision Hearing Package between Feb. 1 and April 30 of each year. Read our help page to learn more.

More plan details

Learn more about the benefits of this plan so you can tell if it fits your needs.

• Overview
• Benefits
• Forms and Documents

Overview

Deductible

This plan pays your Original Medicare Part A hospital deductible. You pay your Original Medicare Part B medical deductible.

Network

This plan doesn't have a network. You can see any doctor nationwide who accepts Original Medicare.

Out-of-pocket maximum

This plan doesn't have an out-of-pocket maximum.

Office visits

After you meet your Medicare Part B deductible, this plan pays all your coinsurance and copays for office visits.

Pharmacy

Plan features

• Pays 100% of your Medicare coinsurance and copays for medical, hospital and hospice services covered by Original Medicare.
• Pays 100% of your hospital costs for up to 365 days after you've used up your Medicare benefits.
• Includes discounts on products and services through Blue365®.

Plan discounts

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Still have questions? We have answers.

Use our Frequently Asked Questions to learn which plan will fit your needs.

• What's Medicare supplement insurance?
• What will a Medicare supplement plan cost?
• What's a Medicare supplement guaranteed issue right?

Important information about your plan

This is a solicitation of insurance. We may contact you about buying insurance. Blue Cross Medicare Supplement plans aren't connected with or endorsed by the U.S. government or the federal Medicare program.

Blue Cross Blue Shield Medicare Supplement Plans are a favorable option for several Medicare beneficiaries nationwide. The company is made of 34 individual companies and makes up close to 42% of the health insurance market in the U.S., making them a dominant player in the health insurance industry.

Blue Cross Blue Shield Medicare Supplement plans are available in all 50 U.S. states and are available in Washington D.C. However, be sure to research which Blue Cross Blue Shield companies are available in your area. Some of the most common BCBS plans are Anthem, Horizon, Florida Blue, and Highmark.

Blue Cross Blue Shield Medicare Supplement Plans in 2022

Medicare Supplement plans (also known as Medigap plans) are designed to help cover out-of-pocket costs that Original Medicare leaves behind. As a Medicare beneficiary, when you use Original Medicare benefits, you are left with out-of-pocket costs such as copayments, coinsurance, and deductibles. While these costs may not sound like much, as you continue to use the benefits, your medical bills may begin to stack up and become overbearing. Blue Cross Blue Shield Medicare Supplement plans help alleviate these costs.

Blue Cross Blue Shield offers all twelve Medicare Supplement plans to their policyholders. However, not every plan may be available in every area.

Keep in mind, Medicare Supplement Plan C and Plan F are not available for new Medicare beneficiaries through all carriers including Blue Cross Blue Shield. If you received Original Medicare after January 1, 2020, you are not eligible to enroll in either of these first-dollar coverage plans.

In states where standardized Medicare Supplement plans are not available, such as Massachusetts, Minnesota, and Wisconsin, BCBS still offers Medicare Supplement plans that are in line with the typical plan for that state.

Blue Cross Blue Shield Medicare Supplement Pros and Cons

The chart below reviews the pros and cons of Blue Cross Blue Shield Medicare Supplement plans.

Blue Cross Blue Shield Medicare Supplement Plan Costs

Blue Cross Blue Shield Medicare Supplement Plan costs may vary depending on various factors. Medicare Supplement plan premiums depend on your age, tobacco-use status, ZIP Code, and gender. Yet, Blue Cross Blue Shield provides their plans differently depending on these factors. Medicare Supplement plan premiums can range from $70-$400 depending on the plan letter you decide to enroll in.

Additionally, Blue Cross Blue Shield offers several discounts for those who enroll in a Medicare Supplement plan. These discounts include an automatic payment discount for allowing direct deposit, prepayment discount for paying the full year of premium costs at once, and a household discount for a spouse or household member who is also on a Blue Cross Blue Shield Megigap plan.

Blue Cross Blue Shield Medicare Supplement Plan Rate Increase

Every insurance company has an annual rate increase. This is a normal part of Medicare Supplement coverage. Although, Medicare Supplement rate increases are hard to predict and vary by state. This means that a Blue Cross Blue Shield Medicare Supplement Plan N in Oklahoma will increase differently from the same plan in Maine.

On average, a Blue Cross Blue Shield Medicare Supplement Plan rate increase is between 3%-7%. However, to avoid a large rate increase year over year, it is important to work with a licensed Medicare agent who has access to multiple plans and carriers. The agent can review all plans in your area. This can help you choose the best plan possible and help monitor price increases in the future. This way, you can stay on top of rate increases and avoid an unexpected premium hike.

Blue Cross Blue Shield Medicare Supplement Plan Rating

When it comes to carrier ratings AM Best is the standard for Medicare Supplement plans. Blue Cross Blue Shield plans are available in the United States and in the Global Market. AM Best has declared that Blue Cross Blue Shield has an A+ rating.

This superior rating means Blue Cross Blue Shield has a superior ability to meet their ongoing insurance obligations.

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How to Compare Blue Cross Blue Shield Medicare Supplement Options in Your Area

When it comes to finding the right Medicare Supplement plan, it is important to compare all the options available to you whether that be a Medicare Supplement plan through BCBS or another carrier.

To connect with a licensed Medicare agent and receive your free Medicare Supplement plan comparison, complete our online rate form today.

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.