Medicare Supplement Insurance Plans
Medicare Supplement Guaranteed Issue Plans
Illinois is a guaranteed issue state. This means that anyone over the age of 65 in any health condition cannot be declined for a plan.
Guaranteed Issue Plans
Medicare Supplement Insurance Plans are identified by the letters A, B, C, D, F, G, M and N. Each plan covers a different set of costs.
Guaranteed issue plans are offered by Blue Cross and Blue Shield of Illinois, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association (herein called “Blue Cross and Blue Shield of Illinois” or “BCBSIL”).
This chart lists plans available in Illinois.
Note: Plan F, High Deductible Plan F, and Plan F Plus are also available to anyone who was eligible for Medicare before 2020.
Guaranteed Issue Plan Benefits
Plus Medicare Plan Benefits
The “Plus” Means Even Greater Value for You
If you enroll in a Medicare Supplement Plus Plan, you’ll get all the benefits of Blue Medicare Supplement Insurance Plans, plus three more benefits.
Plus Plan Benefits
| Benefit | Description | Member Pays In-Network |
Member Pays Out-of-Network |
|---|---|---|---|
| Preventive Services | |||
| Cleanings, 2x per calendar year | 0% | 50% | |
| Oral exams, 2x per calendar year | 0% | 50% | |
| Dental | Dental X-rays, 1x per calendar year | 0% | 50% |
| Oral cancer screening, 1x per calendar year | 0% | 50% | |
| Extractions (unlimited) | 25% | 50% | |
| Restorative (fillings), 1x per tooth per calendar year | 50% | 50% | |
| Vision | Routine exam with dilation, 1x every 12 months | $0 | $40 |
| Eyeglasses or contact lenses (conventional or disposable) | Remaining amount after $130 reimbursement | Remaining amount after $65 reimbursement | |
| Routine exam, 1x every 12 months | $0 | ||
| Hearing | Advanced hearing aid member fee with recharge | $699 per aid | |
| Premium hearing aid member fee with available rechargeability | $999 per aid | ||
| Fitness | Access to the SilverSneakers® Fitness Program8 |
GUARANTEED ISSUE PLANS
Eligibility and Enrollment
GUARANTEED ISSUE PLANS
Premium Discounts
Reduced Premium Options for Plans With Medicare Select
Some Medicare Supplement Insurance Plans have a money saving option called Medicare Select. With this option, the Medicare Part A deductible is covered for non-emergency care at Medicare Select hospitals. If it’s an emergency, the Part A deductible is covered at any hospital.
Medicare Select is not an HMO. You can choose your own doctors and specialists. To avoid paying the Part A deductible, you must agree to use a Medicare Select hospital for non-emergency care.
You’re eligible if you live within 30 miles of any Medicare Select hospital. Find a list of . Plans F, G, G Plus, and N have Medicare Select options in Illinois.
Only certain hospitals are network providers under this policy. Check with your doctor to find out if he or she has admitting privileges at the network hospital. If he or she does not, you may be required to use another doctor at the time of hospitalization or, if you still use a non-network hospital, you must pay the Part A deductible and any non-covered charges.
Medicare Enrollment
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- Get a Quote and Enroll Online
- Enroll by Phone
- Get Help From an Agent
- Enroll by Mail
Member Resources
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The out-of-pocket annual limit will increase each year for inflation.
Rates as of 04/01/2024. Rates are illustrative only. Actual rates are based on your age, where you live, and your choice of coverage. Please do not send money, you cannot obtain coverage under the above plans until an application is completed and approved. Benefit exclusions and limitations might apply.
Important Information About Quotes for Medicare Supplement Insurance Plans
Quoted prices are based on the criteria specified during your search. This illustration is subject to Blue Cross and Blue Shield of Illinois's rating or underwriting and approval, as appropriate, and does not guarantee rates, coverage or effective date. Furthermore, rates are subject to change if any of the information you have provided changes when and if a policy is approved. In addition, Blue Cross and Blue Shield of Illinois reserves the right to change rates from time to time.
1Medicare Select Plans require that you use Blue Cross and Blue Shield of Illinois contracting Medicare Select hospitals for non-emergency admissions to receive coverage for the Medicare Part A deductible. In an emergency, the $1,600 deductible is covered at any hospital from which you receive care. Only certain hospitals are network providers under this policy. Check with your physician to determine if he or she has admitting privileges at the network hospital. If he or she does not, you may be required to use another physician at the time of hospitalization or you will be required to pay for all expenses. If you move out of the service area, there will be a reduction of benefit coverage and you will have the opportunity to purchase any Medicare Supplement Insurance policy with comparable or lesser benefits offered by the insurer, or Medicare Supplement Insurance/Select plans A, B, C, F, from any insurer within 63 days of termination.
2You must live within 30 miles of a participating Medicare Select hospital to be eligible.
3Not to exceed any charge limitation established by the Medicare program or state law.
4Plans cover medically necessary emergency care services needed immediately because of an injury or illness of sudden and unexpected onset, beginning during the first 60 days of each trip outside the USA. There is a deductible of $250 and a lifetime maximum benefit of $50,000.
5The out-of-pocket annual limit may increase each year for inflation (2023 limits shown).
6Plan N requires a copayment of up to $20 for office visits and a copayment of up to $50 for ER.
7These high deductible plans pay the same benefits as Plans F and G after one has paid a calendar-year $2,800 deductible. Benefits from High Deductible Plans F and G will not begin until out-of-pocket expenses are $2,800. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B, but does not include the plan’s separate foreign travel emergency deductible.
8SilverSneakers® is a wellness program owned and operated by Tivity Health, Inc., an independent company. Tivity Health and SilverSneakers® are registered trademarks or trademarks of Tivity Health, Inc., and/or its subsidiaries and/or affiliates in the USA and/or other countries.
For a detailed explanation of dental, hearing, and vision benefits for Plan G Plus options, refer to the outline of coverage.