Medicare Supplement Insurance Plan

Medicare Supplement Insurance Plans (sometimes referred to as Medigap) help pay some of the health costs that Original Medicare doesn't cover, such as copayments, coinsurance, and deductibles.

What is a Medicare Supplement Insurance Plan?

Medicare is the nation’s largest health insurance program, covering things such as hospital stays, skilled nursing, and physician services. But Medicare was never meant to pay for everything. That is why Blue Cross and Blue Shield of Illinois offers Medicare Supplement Insurance Plans – to help fill in the gaps that Medicare may not cover and leave you better protected.

How do Medicare Supplement Insurance Plans work?

Medicare Supplement Insurance Plans are offered by private health insurance companies and work together with Original Medicare. While Medicare will pay for many of your health care costs, Medicare Supplement Insurance Plans may help cover things that original Medicare does not, such as:

deductibles
copayments
coinsurance

Why do I need a Medicare Supplement Insurance Plan?

A Medicare Supplement Insurance Plan can protect you from some unexpected costs you may receive while using your Original Medicare coverage. In addition, many Medicare Supplement Insurance Plans offer coverage when traveling outside the United States, which Original Medicare does not.

Put your mind at ease knowing that with Blue Medicare Supplement^® Insurance Plans, your health care coverage is with a financially stable and recognized leader serving Illinois for more than 75 years.

Take note: If you choose a Blue Medicare Supplement Insurance Plan, and want prescription drug coverage, you will need a separate prescription drug plan because Medicare Supplement Insurance Plans do not include prescription drug coverage.

Reduced Premium Medicare Select ^1,2 Option

Medicare Select is an option available with most Blue Medicare Supplement Insurance Plans. This option helps you save on premiums when you agree to use 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, High Deductible Plan F, and High Deductible Plan G.

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 Medicare Part A 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 from any insurer within 63 days of termination.‬‬

²You must live within 30 miles of a participating Medicare Select hospital to be eligible.

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Blue Cross^®, Blue Shield^® and the Cross and Shield Symbols are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans.

Medicare Advantage Plan Notice:
HMO, HMO-POS and PPO plans provided by Blue Cross and Blue Shield of Illinois, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company (HCSC), an Independent Licensee of the Blue Cross and Blue Shield Association. HCSC is a Medicare Advantage organization with a Medicare contract. Enrollment in HCSC’s plans depends on contract renewal.

Out-of-network/non-contracted providers are under no obligation to treat Blue Cross and Blue Shield of Illinois members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.

Medicare Part D Plan Notice:
Prescription drug plans provided by Blue Cross and Blue Shield of Illinois, which refers to HCSC Insurance Services Company (HISC), an Independent Licensee of the Blue Cross and Blue Shield Association. A Medicare-approved Part D sponsor. Enrollment in HISC's plans depends on contract renewal.

Medicare Supplement Notice:
Not connected with or endorsed by the U.S. Government or 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.

Currently we represent 1 organization which offers 12 products in your area. You can always contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) for help with plan choices.

"This information is a solicitation for insurance."

*Excludes post enrollment materials.

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Last updated 10/10/19
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