MEDICARE SUPPLEMENT INSURANCE PLANS

MEDICARE WAS NEVER DESIGNED TO COVER ALL OF YOUR MEDICAL COSTS. A MEDICARE SUPPLEMENT INSURANCE PLAN PROTECTS YOU FROM UNCOVERED COSTS

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Medicare Supplement INSURANCE plans, also called Medigap, help cover some of the medical expenses that ORIGINAL Medicare does not.

A Medicare Supplement Insurance plan helps to protect you from uncovered costs, and helps keep your money where it belongs – in your savings account.

Medicare was never designed to completely cover all your medical costs. Unfortunately, the cost of items not covered by Medicare has grown to the point where it’s often more than an individual can afford. 

Costs not covered by Medicare include the Part A deductible, hospital and medical care coinsurance, and much more. A Medicare Supplement Insurance policy can help you pay these costs, lowering your out-of-pocket medical expenses.

What ISN'T Covered By ORIGINAL Medicare?

You might be surprised by some of the costs that aren’t covered by Original Medicare. A supplement plan can help cover many of these costs.

Hospital Stay (2024)

$1,632 deductible for each benefit period.


  • Days 1–60: $0 coinsurance for each benefit period.
  • Days 61–90: $408 coinsurance per day of each benefit period.
  • Days 91 and beyond: $816 coinsurance per each “lifetime reserve day” after day 90 for each benefit period (up to 60 days over your lifetime).
  • Beyond lifetime reserve days: all costs.


Skilled Nursing Stays

After 20 days, you could pay up to $204 a day at a skilled nursing facility without Medigap coverage.

Medicare Part B

Medicare Part B has a $240 yearly deductible. And with many medical services you’ll have to pay 20% of the bill as coinsurance. A Medigap plan can help cover these costs.

What Do I Need to Get a Supplement Plan?

To get a Medicare Supplement Insurance plan, you need to be enrolled in Medicare Parts A and B. You can’t get a supplement plan if you are in a Medicare Advantage plan or on Medicaid. There are different types of Medicare Supplement Insurance plans all at varying costs. You can find a plan that best fits you. For expert help in choosing the right one, work with our professional agents.

The More Coverage, The Better

A Medicare Supplement Insurance plan provides coverage for many of the costs that your current  Original Medicare plan does not cover. Out-of-pocket costs can add up – and the more coverage you get, the more money you can save if you find the right supplement plan.

If you think you need more coverage than your current Medicare plan provides, we can give you fast and free quotes to help you find a supplement plan that best fits your needs.

MEDICARE SUPPLEMENT INSURANCE CHART

All Medicare Supplement Insurance plans help provide coverage for some of the costs that Original Medicare doesn’t pay, including:
  • Coinsurance
  • Copayments
  • Deductibles
Some Medicare Supplement Insurance plans can provide you additional protection. For instance, Plans F, High Deductible F, and N offer you coverage for:
  • Skilled nursing facility care coinsurance
  • Foreign travel emergency care
You can be at ease knowing that with a Blue Cross Medicare Supplement℠ Insurance plan, your health care coverage is with a recognized leader.

Take note: If you choose Blue Cross Medicare Supplement℠  Insurance, you may need a separate prescription drug plan. Medicare Supplement Insurance plans don't include prescription drug coverage.
A blue cross and blue shield of illinois does not offer these plans shaded in gray below

Save Money with a  Medicare Supplement Select Option

Blue Cross Medicare Supplement℠ Insurance has a money saving option called Medicare Select. This option helps you save on premiums when you agree to use one of the hospitals in the Medicare Select Network for non-emergency elective admissions. You get the same solid benefits as our “standard” plans, but your premiums will cost less. This option is not available for Plan A and High Deductible Plan F or High Deductible Plan G.

Medicare Supplement Insurance Plan Notice:

Not connected with or endorsed by the U.S. Government or the Federal Medicare Program. Medicare Supplement Insurance plans are offered by Blue Cross and Blue Shield of Illinois, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an independent licensee of the Blue Cross and Blue Shield Association.
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INFORMATION ABOUT MACRA AND PLAN F/G

There has been confusion lately regarding the future of Medicare Supplement Plan F, that it is going away and those who currently have a Plan F will be losing it. The truth is that Plan F will no longer be available to individuals who became Medicare-eligible after January 1, 2020.

If you already have a Plan F in place you will be able to keep it. 

Below are some key facts about MACRA (Medicare Access & CHIP Reauthorization Act of 2015) to help you better understand the rules and how they may affect you. 

Medicare Beneficiaries who currently have a Plan F or Plan C policy will be able to continue renewing their policies and have their part B deductibles covered even after Jan. 1, 2020. Anyone who becomes Medicare eligible prior to Jan. 1, 2020 but does not enroll by Jan. 1, 2020 (i.e., beneficiary is still working and has employer insurance) will still be able to get a Plan F or Plan C product that covers their part B deductible, even after that date. The new law only applies  to individuals who became Medicare-eligible after January 1, 2020.
Plan F and Plan C will no longer be available for these beneficiaries after this date.