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Blue Cross Blue Shield Medicare Supplement Insurance Review

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Blue Cross Blue Shield is a federation of 36 companies who provide over 100 million people with health insurance in all 50 states, the District of Columbia, and Puerto Rico. With an established nation-wide network of doctors, Blue Cross Blue Shield companies are readily accepted across the country. As each company is an individual entity, please contact the affiliate in your area to discover the specific offerings and plans available to you.

How is Blue Cross Blue Shield rated?

Breakdown

5.0/5
Level of Coverage
5.0/5
Services
4.5/5
Reputation and Customer Experience
4.5/5
Financial Strength

Overall Rating: 4.8 / 5 (Excellent)

Through its 36 regional and state affiliates, Blue Cross Blue Shield provides health coverage for nearly one-third of the country. There are doctors and hospitals that accept their coverage in all 50 states. Looking up a quote from Blue Cross Blue Shield should be a part of the research of anyone researching Medigap coverage.

Blue Cross Blue Shield Coverage

Level of Coverage - 5 / 5

With Medigap plan benefits regulated by federal law, the coverage in the plans is standardized. Please check with the Blue Cross Blue Shield company in your state to see what plans are available to you.

Plan Types

  • Plan A - It includes hospital copayment costs up to a year after Medicare benefits are exhausted, the first three pints of blood, Part B coinsurance including preventive care services after deductible, and hospice care.
  • Plan B - Offers the same amount of coverage as Plan A, with the addition of a hospital deductible in each benefit period.
  • Plan C - One of the most popular plans, it adds on a skilled nursing facility daily copay, the Part B annual deductible, and emergency care outside of the U.S.
  • Plan D - Though this includes most of the same benefits as plan C, it does not cover the Part B deductible.
  • Plan F - Less expensive than other plans, F covers all the same benefits as C, with the addition of 100% of Part B's excess charges.
  • Plan G - Covers almost every Medicare supplemental insurance benefit, with the exception of Part B's annual deductible.
  • Plan K - Covers half of: Part B co-insurance, first 3 pints of blood, hospital deductible, skilled nursing facility, and hospice care. It also covers all the co-insurance for Part B preventive care services.
  • Plan L - Just like Plan K, this covers all of your Part A & B copays after a certain amount out-of-pocket, and 75% of every benefit that Plan K covers (instead of 50%).
  • Plan M - Covers hospital copayments, 75% of Part B co-insurance, first 3 pints of blood, 50% of hospital deductible, skilled nursing facility, foreign emergency care, 100% Part B preventive care services post-deductible, and hospice care.
  • Plan N - Covers hospital copayments, Part B co-insurance except $20 for office visits & $50 for emergency visits, first 3 pints of blood, hospital deductible, SNF, foreign care, all of Part B co-insurance for preventive care, and hospice care.

At a Glance

Network Size
36

Blue Cross Blue Shield Pricing

Services - 5 / 5

Because premiums can vary significantly, depending on the region of the company and the age-rating method of the insurer, we are not assigning a value for this category. Please contact the Blue Cross Blue Shield company for your state for the plans available to you.

Blue Cross Blue Shield Customer Experience

Reputation and Customer Experience - 4.5 / 5

Blue Shield Blue Cross is a federation of 36 health insurance companies covering customers in all 50 states, the District of Columbia, and Puerto Rico. As each company is its own identity with its own website and resources, we cannot rate their Customer Experience as a single entity. We recommend researching the individual affiliate's rating at BBB and Trust Pilot.

Support

  • 24/7 call center
  • Email
  • Snail mail
  • Toll-free number

Blue Cross Blue Shield Financial Strength

Financial Strength - 4.5 / 5

As a federation of 36 different companies under the Blue Cross Blue Shield banner, we cannot rate the financial strength as a single entity.

Year Founded

1982

Company Profile

Full Name
Blue Cross Blue Shield Medicare Supplement Insurance
Company Website
Headquarters
225 North Michigan Avenue, Chicago, IL, 60601

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Customer Comments & Reviews

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N
Niteowl
10/14/2021
Buyer beware…. They slate coverage so your co pay or co insurance is less if you have procedures at your doctors office versus the hospital but they have this section that states you have a 20% co insurance for office procedures. My husbands doctor told us he would handle a very minor procedure at his office, the nurse stated it was no big deal, a shot of lidocaine, 10 minutes. We then received our bill from BCBS for a $1515.00 co-insurance bill. That same exact procedure would have been covered as outpatient at the hospital for a flat co pay of $285. The bill submitted to BCBS could not have been more from the hospital, based on overhead alone. I checked several other Medicare companies... Read More


T
Tom B
1/9/2021
Customer service does not exist. Mailings go unanswered. Phone reps promise to get bank to you and they do not. How can they stay in business?



Top Rated
Our Partner
  • Limit out-of-pocket costs
  • 8 of 10 Medigap policies offered, depending on location
  • Managed healthcare solutions
  • National coverage
  • High deductible Plan F available in some states