Blue Cross Blue Shield Medicare Supplement 2025 – Plans & Rates

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Russell Noga
by Russell Noga | Updated April 15th, 2024

Getting your facts straight on Blue Cross Blue Shield Medicare Supplement for 2025? Stay ahead with our concise guide to the upcoming changes, essential plan benefits, and pricing impacts related to Blue Cross Blue Shield Medicare Supplement 2025. In a market evolving as rapidly as healthcare, we provide the insights you need to navigate your Medigap options with confidence this year.


Key Takeaways


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Exploring Blue Cross Blue Shield Medicare Supplement Plans for 2025

Exploring Blue Cross Blue Shield Medicare Supplement Plans for 2025


Medigap plans, like those offered by BCBS, are devised to complement Original Medicare by covering the out-of-pocket costs that Parts A and B leave behind. These plans come with the added advantage of being accepted anywhere Medicare is, freeing you from the constraints of provider networks. The cherry on top? Select BCBS Medigap plans even provide coverage for emergencies encountered while traveling abroad. For those who initially considered Plan F, BCBS now offers Plan G, which covers the same benefits, excluding the Medicare Part B deductible.

One might wonder, with Plan F and Plan C being phased out since 2020, what’s new in 2025?


What’s New in 2025?

Interestingly, there aren’t any specific updates or changes announced for BCBS Medigap plans in 2025. However, it’s worth noting that Plans F and C, which covered the Part B deductible, have been off the table for new enrollees since 2020. This change underscores the importance of staying informed about your healthcare options, as the landscape is continually shifting.

With that said, let’s tackle the availability and eligibility of these Medigap plans.


Plan Availability and Eligibility

Eligibility for BCBS Medigap plans is contingent on enrollment in both Medicare Part A and Part B. However, the availability of these Medigap plans is influenced by state-specific legislation, especially for beneficiaries under 65. For instance, Indiana has a cap on premiums for Plans A, B, and D, while Virginia extends eligibility to those with End-Stage Renal Disease (ESRD) and prohibits higher premiums due to age. Furthermore, the open enrollment periods and rules may vary by state.

But how do these Medigap plans compare to Medicare Advantage? Let’s find out.


Comparing Medigap to Medicare Advantage

Flexibility and stability set Medigap plans apart from Medicare Advantage plans. With Medigap, you’re free to:

Unlike Medicare Advantage plans where benefits and out-of-pocket costs can change annually. Even relocating to another state doesn’t affect Medigap plan coverage.

However, unlike Medicare Advantage, Medigap plans do not include prescription drug coverage, which is provided under Medicare Part D. Speaking of prescription drug coverage, let’s delve into how BCBS Medigap addresses this crucial aspect of healthcare.


Prescription Drug Coverage with BCBS Medigap


Prescription Drug Coverage with BCBS Medigap


BCBS Medigap policyholders can boost their healthcare coverage by enrolling in separate Medicare Part D plans for prescription drug costs. This enhancement is especially beneficial considering that the out-of-pocket drug costs for Medicare Part D enrollees will be capped at $2,000 in 2025. This means that if you take only brand-name drugs, your annual out-of-pocket costs will decrease from approximately $3,300 in 2024 to $2,000 in 2025. While premiums for these plans will vary, the coverage gap threshold is standardized across all plans.

Let’s examine how pairing with Medicare Part D can significantly impact your prescription drug coverage.


Partnering with Medicare Part D

In 2025, Medicare Part D plans, also known as Medicare prescription drug plans, will roll out the following changes:

  • The Medicare Prescription Payment Plan, allows beneficiaries to distribute their out-of-pocket prescription costs into monthly installments.
  • The Low-Income Subsidy (LIS) program will extend full benefits to qualifying individuals, covering most out-of-pocket costs for medications.
  • Once your spending reaches the $8,000 mark, you won’t have to pay copayments or coinsurance for covered drugs in that calendar year.

Of course, these developments are not without their legislative impacts. Let’s delve into how the Inflation Reduction Act will affect drug costs.


Impact of the Inflation Reduction Act on Drug Costs

From 2025, Medicare Part D will implement the following reforms:

  • An annual limit of $2,000 on out-of-pocket prescription drug costs for enrollees, adjusting in subsequent years based on inflation
  • The elimination of the ‘donut hole’ coverage gap phase, capping enrollees’ cost-sharing and preventing abrupt increases in expenses between coverage phases
  • A cap on prescription out-of-pocket costs and the removal of the 5% prescription cost-sharing in the catastrophic coverage phase for Part D from 2025 onwards
  • A decrease in Medicare’s share in the catastrophic coverage phase, an increase in Part D plans’ share, and required discounts on brand-name drugs from drug manufacturers during various coverage stages

These reforms aim to lower prescription drug costs and improve the affordability and accessibility of prescription drugs for Medicare Part D enrollees.

But that’s not all. The average premium for Medicare Part D enrollees is projected to be around $55.50 a month in 2024, reflecting changes in cost distribution mandated by recent reforms. And from 2025, Part D enrollees will have the flexibility to spread their out-of-pocket costs across the year to mitigate the impact of high one-time expenses.

Having explored prescription drug coverage, let’s turn our attention to the financial considerations you need to make when opting for BCBS Medigap plans.


Financial Considerations: Premiums and Out-of-Pocket Costs


Financial Considerations Premiums and Out-of-Pocket Costs


BCBS Medigap plans come with coverage for deductibles and copayments, ensuring that the basic benefits are standardized across plans with the same letter designation. These plans are subject to annual renewal, and they will continue to provide coverage as long as the policyholder pays the premium and the plan remains available.

Now, what factors influence these premiums, and how can enrollees manage out-of-pocket expenses?


Understanding Premiums

Premiums are the monthly fees beneficiaries pay for their chosen BCBS Medigap plans. These vary based on several factors, including personal demographics and the rating system used by the insurer. Age, gender, tobacco use, geography, and overall inflation rates all come into play when calculating these premiums. In 2025, premium rates for BCBS Medigap plans will be influenced by changes such as adjustments due to healthcare cost trends, legislative impacts on the insurance industry, and the company’s financial performance. BCBS has adopted an issue-age-rated system in most areas for Medigap plans in 2025, meaning premiums are based on the age of the beneficiary at the time of enrolling and will not automatically increase with age, although they can rise due to inflation and other factors.

Let’s now examine how Medigap plans can help manage out-of-pocket expenses.


Managing Out-of-Pocket Expenses

Enrolling in a Medigap plan can help limit out-of-pocket expenses, as Original Medicare does not set a yearly cap on expenses. Medigap plans supplement Original Medicare coverage by paying for costs like the 20% coinsurance for Medicare Part B-covered services that beneficiaries would otherwise pay out-of-pocket. This means enrolling in a Medigap plan can prevent high out-of-pocket expenses throughout the year since Original Medicare alone has no out-of-pocket maximum.

While we’ve covered the financial aspects, let’s not forget that BCBS Medigap plans offer additional health benefits beyond what is covered by Original Medicare.



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Additional Health Benefits Beyond Traditional Medicare

Additional Health Benefits Beyond Traditional Medicare


BCBS Medigap plans offer a range of additional health benefits that are not covered under Original Medicare. Enrollees can participate in wellness programs designed to promote preventative health and enhance overall well-being. Moreover, BCBS Medigap plans to provide coverage for:

These extensive additional benefits ensure that members have more comprehensive healthcare support beyond what is provided by the Original Medicare and Medicare Program, including Medicaid services and the Medicare Advantage Program.

Let’s unpack these additional health benefits a bit more, starting with healthcare wellness programs and preventive services.


Wellness Programs and Preventive Services

Thanks to the Inflation Reduction Act, recommended vaccines are available at no cost for people with Medicare prescription drug coverage. BCBS Medicare Advantage Plans also provide wellness programs that help members reach their health and fitness goals. These programs aim to assist members in improving their overall well-being.

How about vision and dental coverage options? Let’s explore.


Vision and Dental Coverage Options

Blue Cross Blue Shield of Illinois has introduced Medigap Plan G PLUS, which includes extra coverage for vision and dental care in addition to regular Plan G benefits. Plan G PLUS offers coverage for routine eye and hearing exams and dental check-ups, expanding on the preventive services not usually included in standard Medigap plans. Similar to Plan G PLUS in Illinois, Medigap offerings in other states, such as California’s Medigap G Extra, are also beginning to incorporate additional vision and hearing benefits. The inclusion of these supplemental vision and dental benefits in Medigap plans represents a valuable enhancement, providing services beyond what’s typically covered by traditional Medicare and aligning more closely with the benefits some Medicare Advantage plans offer.

Now that we’ve covered the benefits, let’s guide you through the process of enrolling in a BCBS Medicare Supplement Plan.


How to Enroll in a BCBS Medicare Supplement Plan


How to Enroll in a BCBS Medicare Supplement Plan


Individuals interested in BCBS Medicare Supplement plans have the option to apply online, by phone, or by mail. Prospective enrollees should contact their local Blue Cross Blue Shield company to receive tailored assistance in choosing and enrolling in a Medicare Supplement plan. Choosing the right enrollment method can affect the ease and efficiency of the application process. For a smooth application process, have all essential information and documentation ready before initiating enrollment via any method.

Let’s delve deeper into the enrollment periods and deadlines.


Enrollment Periods and Deadlines

The six-month Initial Enrollment Period for Medigap begins on the first day of the month in which a person turns 65 or older and is enrolled in Medicare Part B. Enrolling in a Medigap policy outside of the Initial Enrollment Period could limit availability and result in higher costs. Unlike Medigap’s individualized six-month enrollment period, the annual Medicare open enrollment period from October 15 to December 7 does not apply to Medigap coverage.

Now that we’ve covered the enrollment periods, let’s look at how to navigate the enrollment process.


Navigating the Enrollment Process

A paper application can be downloaded, completed, and mailed to the specified BCBS address for processing. When transitioning from a BCBS plan through an employer or group to a Medicare Supplement plan, it is recommended to apply over the phone for better guidance.

For assistance with enrollment or questions, applicants can call the dedicated BCBS enrollment phone line.



Navigating the world of Medicare can seem like a daunting task, but understanding the options available to you can make all the difference. BCBS Medigap plans offer a wide range of benefits to complement Original Medicare, from managing out-of-pocket expenses to offering additional health benefits like wellness programs and preventive dental care. With flexible enrollment options and a comprehensive range of coverage, BCBS Medigap plans are a viable option for those seeking to enhance their Medicare coverage in 2025.

Remember, the key to making the best healthcare decisions lies in staying informed and understanding your options. Take the necessary steps today to secure your healthcare coverage for tomorrow.

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Frequently Asked Questions

Why are people leaving Medicare Advantage plans?

People are leaving Medicare Advantage plans due to issues such as excessive prior authorization denial rates, slow payments from insurers, and negative experiences with in-network providers and appointment scheduling. These factors have contributed to dissatisfaction and departure from the plans.


How much will Part D cost in 2024?

In 2024, the estimated average monthly premium for Medicare Part D stand-alone drug plans is projected to be $48, with an average deductible of $545. Keep in mind that costs can vary based on individual circumstances.


Are Medicare supplement plans going away?

No, Medicare supplement plans are not going away entirely. However, some changes have been made for new enrollees, who won’t be eligible for certain plans. This means that while some options may be limited, there are still other Medicare supplement plans available.


What will the Medicare premium be for 2024?

In 2024, the standard monthly premium for Medicare Part B will be $174.70, increasing by $9.80 from 2023. The annual deductible for all Medicare Part B beneficiaries will be $240, an increase of $14 from the 2023 deductible.


What are BCBS Medigap plans?

BCBS Medigap plans are Medicare supplement plans that cover out-of-pocket costs not included in Original Medicare Parts A and B, while also providing additional benefits such as emergency coverage while traveling abroad.

Speak to the Professionals about Medigap Plans and Original Medicare

If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about the Blue Cross Blue Shield Medicare Supplement in 2025, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.

We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, cost and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.

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