Blue Cross Blue Shield Medicare Supplement Review

Fact Checked
Reviewed by: Kelly Blackwell, Certified Senior Advisor®
Published: October 12, 2021

Find out whether Blue Cross Blue Shield 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 Blue Cross Blue Shield Medicare Supplement Insurance plans review: Blue Cross Blue Shield Medicare Supplement Insurance plans are available in every state, the District of Columbia, and Puerto Rico. However, options and customer service vary by region.

The Blue Cross Blue Shield Association has provided health care coverage since 1929. It serves 110 million members through 35 locally operated, independent companies. Blue Cross Blue Shield contracts with more physicians and hospitals — 1.7 million nationwide — than any other health insurance provider.

Blue Cross Blue Shield offers a variety of Medicare Supplement plans. However, it’s essential to determine whether the type of policy you want is available in your area. Learn about the factors to consider as you choose your Blue Cross Blue Shield Medicare Supplement Insurance plan.

Pros and Cons of Blue Cross Blue Shield Medicare Supplement Insurance Plans

What we like about Blue Cross Blue Shield Medicare Supplement Insurance plans:

  • Coverage in every state, Washington, DC, and Puerto Rico
  • The nation’s largest network of health care providers
  • Long-standing reputation of trustworthiness

The drawbacks of Blue Cross Blue Shield Medicare Supplement Insurance plans:

  • Not all options are offered in every region
  • Some locations have a record of average or poor performance

What Do Blue Cross Blue Shield Medicare Supplement Insurance Plans Cover?

Medigap policies such as Blue Cross Blue Shield Medicare Supplement Insurance plans help bridge the coverage gap left by Original Medicare. Medicare Supplement Insurance plans offer limited additional coverage and pay Medicare Part A and B coinsurance, deductibles, and copays. The policies let you see any doctor, hospital, or specialist that accepts Medicare. These plans automatically renew long as you pay your premiums on time.

Blue Cross Blue Shield Medicare Supplement Insurance Plans Options

Blue Cross Blue Shield Medicare Supplement Insurance plan offerings and premiums depend on your region of residence, the type of plan you choose, and your age. All plans are not available in every state. Plan A provides basic coverage, while other policies cover extra benefits, including foreign travel emergency care and health and wellness club memberships.

Some Blue Cross Blue Shield plans have no or low annual deductibles, and others come with high deductibles. Most policies will pay charges related to physician’s services, inpatient and outpatient care, and durable medical equipment up to Medicare-approved amounts.

Compare this sampling of Blue Cross Blue Shield Medicare Supplement Insurance plans:

(Plans F and C are only available to individuals eligible for Medicare before December 31, 2019)

Plan Name Monthly premium Annual deductible Office visits Telehealth Emergency room
Plan A $82.60 $203 (Part B deductible) Part B excess charges above Medicare-approved amounts Part B excess charges above Medicare-approved amounts Part B excess charges above Medicare-approved amounts
High Deductible Plan F $49.70 $2,370 Part B excess charges above Medicare-approved amounts Part B excess charges above Medicare-approved amounts Part B excess charges above Medicare-approved amounts
Plan G $129.60 $203 (Part B deductible) Part B excess charges above Medicare-approved amounts Part B excess charges above Medicare-approved amounts Part B excess charges above Medicare-approved amounts
Plan F $166.30 $0 $0 $0 $0

*Based on pricing for a 65-year-old female, non-tobacco user in North Dakota

Blue Cross Blue Shield Medicare Supplement Insurance Reviews and Ratings

Reviews for Blue Cross Blue Shield vary among its affiliates. It’s best to research ratings for local companies.

Some Blue Cross Blue Shield affiliates are accredited by the Better Business Bureau (BBB), and ratings range from A+ to F depending on location.

The National Committee for Quality Insurance (NCQA) only has partial Blue Cross Blue Shield data on a few states. Ratings range from 0.0 to 4.5, with an average of 3.0. Blue Cross Blue Shield earned its highest score, 4.5, in prevention.

Consumer Affairs also lists ratings from a few states. Blue Cross Blue Shield of Florida garnered the highest ratings, earning 3.5 out of 5 stars based on 400 reviews. Top reviews mention good value, excellent customer service, and consistent claims handling. On the other hand, complaints reflected frustration with poorly functioning websites and customer service.

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