by Russell Noga | Updated October 6th, 2026
Blue Cross Blue Shield Medicare Supplement Plan Review
Are you enrolled in Original Medicare Parts A & B? If so, you can buy a Medicare Supplement plan (Medigap). Medigap policies come in ten standardized plan letters:
A, B, C, D, F, G, K, L, M, & N.
Each letter offers a different level of coverage, and the same letter covers the same benefits no matter which company sells it.
Medicare is a federal program, but Medigap, while regulated by the government, is sold through private insurance companies. Blue Cross Blue Shield is one of the biggest names in the Medigap market, and this review covers its Medigap plans.
Blue Cross Medigap Plan G is one of its most popular plans, along with Plan N, and Plan F for people eligible for Medicare before 2020.
Who Is Blue Cross Blue Shield?
Blue Cross Blue Shield (BCBS) is made up of more than 30 independent, locally operated companies that share the Blue Cross Blue Shield name. Together they insure well over 100 million Americans, making BCBS one of the biggest names in health insurance.
BCBS companies sell Medigap policies in all 50 states and Washington, D.C. Some companies, like Anthem, sell Medigap in many states, while other Blue Cross companies serve a single state or region.
Because each Blue Cross company operates independently, plans, premiums and extras vary by state. The easiest way to compare your local Blue Cross company’s rates against other top insurers is to call us at 1-888-891-0229 or enter your ZIP code below.
Blue Cross Blue Shield Medicare Supplement Plans
Some Blue Cross companies let existing members move between their own Medigap plans with fewer health questions, sometimes called “Blue to Blue.” Rules vary by company and state, but it can make it easier to change from Plan G to Medicare Plan N or adjust your coverage later.
Premiums for the same plan can differ a lot between Blue Cross companies and between Blue Cross and other insurers, which is why it pays to compare before you buy. We will help you find the best Medigap premium in your state.
Some Blue Cross companies also sell Medicare SELECT plans. These cost less, but you must use the plan’s network hospitals for non-emergency care to get full benefits. If you want complete freedom to use any hospital, choose a standard Medigap plan.
Which Blue Cross Blue Shield Medigap Plan is Best?
Blue Cross Blue Shield companies offer a wide selection of Medigap plans, but the lineup varies by company and state. Plans you may see include:
- Medigap Plan A — The basic benefits included in every Medigap plan, with no extras.
- Medigap Plan B — Basic benefits plus the Medicare Part A deductible.
- Medigap Plan D — A mid-priced option covering most benefits, but not Part B excess charges.
- Medigap Plan G — The most comprehensive plan for people new to Medicare; only the Medicare Part B deductible isn’t covered. Some Blue Cross companies also offer high-deductible Plan G.
- Medigap Plan K — Usually the lowest premium. Pays 50% of most cost-sharing, with an annual out-of-pocket limit ($8,000 in 2026).
- Medigap Plan L — Low premium. Pays 75% of most cost-sharing, with an annual out-of-pocket limit ($4,000 in 2026).
- Medigap Plan M — Good coverage for most benefits, but pays only half the Part A deductible.
- Medigap Plan N — Lower premiums than Plan G, with small copays for some doctor and ER visits.
Some Blue Cross companies also sell Medigap Plans C & F, but only to people eligible for Medicare before January 1, 2020.
Blue Cross Blue Shield also offers plans in Minnesota, Massachusetts and Wisconsin, where Medigap plans follow each state’s own standardized rules, which are different from the other 47 states.
Supplemental Coverage Plans for Vision & Dental
Medigap plans do not cover routine dental or vision, but some Blue Cross companies sell optional add-on packages. For example, Anthem has offered an “Anthem Extras” package with partial coverage for dental cleanings and procedures, eye exams, and allowances for glasses or contact lenses.
These packages cost extra on top of your Medigap premium, and availability and pricing vary by company and state.
See our guide to Medicare Supplement dental and vision options to compare add-on coverage.
Compare Medicare Plans & Rates in Your Area
Blue Cross Blue Shield Medicare Supplement Plans in 2027
Medigap benefits are set by federal law, so Blue Cross Blue Shield plans cover the same things in 2027 as they do today. What can change are premiums, which each Blue Cross company sets, and the Medicare deductibles, which Medicare announces later in the fall. See our full Blue Cross Blue Shield Medicare Supplement 2027 guide, or compare all Medicare Supplement Plans 2027.
Losing your Medicare Advantage plan for 2027? If your plan is leaving Medicare or stops serving your area, you generally have a guaranteed issue right to buy certain Medigap plans, which for most people include Plan G, without medical underwriting. The right generally ends 63 days after your Medicare Advantage coverage ends.
Every company offers identical plans but charges different premiums, so let us compare Blue Cross against the other top insurers in your area. Call us today at 1-888-891-0229.
How Much Does a Blue Cross Blue Shield Medicare Supplement Cost?
Because each Blue Cross company sets its own rates, there is no single national price. Your premium depends on your state, ZIP code, age, gender, tobacco use and any household discount.
To show how much prices can vary, here are Anthem Blue Cross example premiums from an earlier rate check in three major cities. Rates change over time, so your quote will be different:
Plan G Example Premiums
- Atlanta: $139
- Los Angeles: $146
- Dallas: $121.49
Plan N Example Premiums
- Atlanta: $148
- Los Angeles: $143
- Dallas: $98.86
Enter your ZIP code above or call 1-888-891-0229 for current Blue Cross rates side by side with other top companies.
Discounts & Additional Benefits
Many Blue Cross companies offer perks for Medigap members, which vary by company. Some let existing members change Medigap plans more easily within the same Blue Cross company.
Fitness and Member Discounts
Some Blue Cross Medigap plans include a fitness program such as SilverSneakers, with gym memberships, fitness classes and an app. Many Blue Cross members also have access to Blue365, a discount program for health and wellness products, hearing aids, and vision services and eyewear. Blue365 discounts are not insurance.
Many Blue Cross companies also offer household discounts, and some reduce your premium for automatic payments or paying annually.
Blue Cross Blue Shield Medicare Supplement Plan Third-Party Review
Blue Cross Blue Shield companies are generally well regarded for financial strength. Many carry strong ratings from AM Best, ranging from A+ (Superior) to B++ (Good), depending on the company, which reflects their ability to pay member claims. Customer satisfaction varies by Blue Cross company and state.
Frequently Asked Questions
What is Blue Cross Medicare supplement insurance?
Blue Cross Medicare supplement insurance, also known as Medigap, is a policy sold by Blue Cross Blue Shield companies to fill the gaps in Original Medicare. It helps pay out-of-pocket costs such as coinsurance, copayments and, depending on the plan, deductibles.
What does Blue Cross Medicare supplement insurance cover?
Coverage depends on the plan letter. Every plan covers Part A hospital coinsurance, Part B coinsurance or copayments, hospice coinsurance and the first three pints of blood. Plans like G and N add more, such as the Part A deductible and skilled nursing coinsurance.
Is Blue Cross the cheapest Medicare Supplement plan in 2027?
Blue Cross is not usually the lowest-priced Medigap company, but it can be competitive in some areas. The best way to compare Medicare Supplement rates for 2027 is our FREE online quote engine. Enter your ZIP code above to see rates from top companies such as Allstate, Mutual of Omaha and others.
Are Blue Cross Medicare supplement plans standardized?
Yes. Blue Cross Medicare supplement plans are standardized and labeled with letters from A to N. Each letter offers the same benefits no matter which company sells it, but premiums differ between companies.
Can I choose any healthcare provider with Blue Cross Medicare supplement insurance?
Yes. With a standard Blue Cross Medicare supplement plan you can see any provider in the U.S. who accepts Medicare, with no network restrictions. Medicare SELECT plans are the exception, since they require network hospitals for non-emergency care.
Does Blue Cross Medicare supplement insurance cover prescription drugs?
No. Blue Cross Medicare supplement insurance does not include prescription drug coverage. To cover prescriptions, enroll in a separate Medicare Part D plan.
Are there additional benefits with Blue Cross Medicare supplement insurance?
Medigap plans do not include extra benefits like dental or vision, but some Blue Cross companies add perks such as fitness programs, member discounts or optional dental and vision packages for an added cost. Check what your local Blue Cross company offers.
Can I switch to a different Blue Cross Medicare supplement plan?
In most cases, yes. Outside your Medigap Open Enrollment Period or a guaranteed issue right, you may need to answer health questions. Some Blue Cross companies make it easier for existing members to change plans.
How does Blue Cross Medicare supplement insurance differ from Medicare Advantage?
Blue Cross Medicare supplement insurance works alongside Original Medicare and covers out-of-pocket costs, with no network. Medicare Advantage plans (Part C) deliver your Medicare benefits through a private plan, often with drug coverage and extras like dental and vision, but usually with a provider network.
Is Blue Cross Medicare supplement insurance available nationwide?
Yes. Blue Cross Medicare supplement plans are sold in all 50 states and Washington, D.C., through local Blue Cross companies, but plan options and premiums vary by state. See our Blue Cross Blue Shield Medicare Supplement 2027 guide for what to expect this year.
How can I enroll in Blue Cross Medicare supplement insurance?
To enroll in a Blue Cross Medicare supplement plan, or compare it with other top companies first, call us today at 1-888-891-0229. Our licensed agents help at no cost.
We Offer a Free Consultation for Medicare Supplement Plans
If you want coverage for the out-of-pocket costs Original Medicare leaves behind, talk to us about a Medigap policy from Blue Cross Blue Shield. We will help you get the policy you want from a company in your area at the lowest available rate.
Call us at 1-888-891-0229 for a free consultation with one of our licensed agents. If you would like us to call you back, fill out the contact form on this site and we will get in touch.
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.