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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.
You may be eligible for a discount if you and another individual residing in your household are both enrolled in a Blue Cross and Blue Shield of Illinois Medicare Supplement Insurance Plan effective on or after January 1, 2020.
The chart below shows plans available in Illinois.
|Basic Benefit Options||Comprehensive Plan Options||Budget-Conscious Plan Options||Available for Newly-Eligible Before 1/1/2020 Only|
|Plan A||Plan B||Plan G||Plan K7||Plan
|Plan N||Plan C||Plan F||High Deductible Plan F6|
|Reduced Premium Medicare Select Option Available1, 2 (eligibility based on ZIP code)||✔||✔||✔||✔||✔||✔||✔|
|Skilled Nursing Coinsurance||✔||✔||50%||75%||✔||✔||✔|
|Part A Deductible||✔||✔||50%||75%||✔||✔||✔||✔|
|Part B Deductible||✔||✔||✔|
|Foreign Travel 4
|Annual Out-of-Pocket Limit 5||$5,880||$2,780|
Eligibility is simple. If you’re at least 65, you must be:
If you’re under 65 and disabled, you must be:
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.
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.
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.
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.
Medicare Supplement Outline of Coverage for Standard & Medicare Select Plans
Medicare Supplement Outline of Coverage for Standard Plans
Medicare Supplement State Area Outline of Coverage for Standard & Medicare Select Plans
Medicare Supplement Application
Find out about your Open Enrollment Period and other information:
Medicare Supplement Insurance Plans are not allowed to offer coverage for prescription drugs. Many people with Medicare Supplement Insurance Plans get a prescription drug plan.
The out-of-pocket annual limit will increase each year for inflation.
Rates as of 04/01/2019. 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.