Anthem Medicare Supplement Review

Fact Checked
Contributing reviewed by: Kelly Blackwell, Certified Senior Advisor®
Updated: October 10, 2021

Find out whether Anthem Medicare Supplement Insurance is a good fit for you.

 

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Kelly Blackwell
Certified Senior Advisor (CSA)®
Kelly Blackwell
Certified Senior Advisor (CSA)®

Kelly Blackwell is a Certified Senior Advisor (CSA)®. She has been a healthcare professional for over 30 years, with experience working as a bedside nurse and as a Clinical Manager. She has a passion for educating, assisting and advising seniors throughout the healthcare process.

Quick Anthem Medicare Supplement Insurance plans review: Anthem has years of experience in the health care insurance sector, and the company offers solid Medigap plans in 14 states.

Anthem is the parent company for an assortment of healthcare insurance providers, most with Anthem or Blue Cross Blue Shield mentioned in the trade name. Anthem, Inc. is headquartered in Indianapolis, IN, but the company is licensed independently in 14 states. In 2004, Anthem merged with WellPoint, making it one of the largest health benefits organizations in the United States.

Seniors living in the 14 states that Anthem services can choose from the company’s Medicare Advantage Plans, Part D plans, and Medigap policies. Availability and pricing can vary greatly, so always compare and review plans before signing up.

Pros and Cons of Anthem Medicare Supplement Insurance Plans

What we like about Anthem Medicare Supplement Insurance plans: The drawbacks of Anthem Medicare Supplement Insurance plans:
  • Knowledgeable agents and benefit managers
  • A no-deductible plan may be available
  • Competitive premiums
  • Silver Sneakers benefits available
  • National coverage limited (only 14 states)
  • Limited review ratings on the company’s Medigap plans

What Do Anthem Medicare Supplement Insurance Plans Cover?

Anthem’s supplement offerings, called Medigap plans, help pay for the costs you owe after Medicare (A and B) has approved and paid its share — usually a 20% coinsurance. Other items covered include hospital stays after 60 days and blood transfusion over three pints. The company also offers perks to its Medigap enrollees, like a free membership to SilverSneakers and discounts on prescription drugs and hearing and vision purchases.

Anthem Medicare Supplement Insurance Plan Options

Medicare Supplement plans available from Anthem are A, G, and N. The plans are similar in premiums, which typically go up every year.  Only Plan N requires office and ER visit copays.

Monthly premiums vary by the age and gender of the applicant. Keep in mind that Medigap plans are per person, so if you’re married, both you and your spouse need to purchase one. It’s always best to compare not only plan types but companies when you’re looking to purchase an insurance policy.

Here are a few examples from Anthem’s Ohio offerings:

Plan name Monthly premium Annual deductible Office visits Telehealth Emergency room
A $147.63 Part A: $1,484

Part B: $203

$0 If covered by Medicare Part B $0
G $138.98 Part A: $0

Part B: $203

$0 If covered by Medicare Part B $0
N $141.62 Part A: $0

Part B: $203

$20 If covered by Medicare Part B $50

*Based on pricing and plan availability in Cuyahoga County, Ohio, for a 65-year old male

Anthem Medicare Supplement Insurance Plans Reviews and Ratings

When choosing a Medigap plan, it’s not just about the price and availability. Checking review sites and quality ratings is equally essential.

The National Committee for Quality Assurance periodically checks insurance companies for service and customer satisfaction. By searching for Anthem or BCBS, you can get a good feel for the company’s integrity even though you might not find a review for the insurance product you’re interested in. For example, Anthem received a 4.0 in customer satisfaction in Kentucky and Ohio with an overall rating of 3.0. The company scored a 4.0 overall rating in Colorado.

Anthem Blue Cross Blue Shield in Ohio has an F rating with the Better Business Bureau. Common customer complaints include billing and collections and problems with using insurance coverage.

You can also browse through ConsumerAffairs’ website for Anthem reviews. Since Anthem offers so many types of policies, you may have to search a bit to find info on its Medigap plans, although you should be able to get a feel for the company’s customer care. Overall, Anthem has a four out of five rating from ConsumerAffairs.

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