Medigap (Medicare ​Supplement)

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If you are enrolled in Medicare Part A and Part B (Original Medicare), Medigap plans can help fill the coverage gaps.

Medigap plans are sold by private insurance companies, like Blue Cross and Blue Shield (BCBS), and are designed to assist you with out-of-pocket costs (e.g., deductibles, copays and coinsurance) not covered by Parts A and B. These plans are available in all 50 states and Washington, D.C., and can vary in premiums and enrollment eligibility. Medigap plans are standardized; however, all of the standardized plans may not be available in your area.

Find the Best Medicare Plan for You

For more than 90 years, Blue Cross and Blue Shield companies have been putting members first, which is why most doctors trust us for Medicare coverage. Explore what Blue Cross and Blue Shield companies have to offer by entering your ZIP Code to find Medicare coverage that fits your needs.

  • If you receive insurance through an employer, please enter the ZIP Code. If you need further help identifying your BCBS company, please contact the employer who provides your insurance for assistance.
  • If you do not receive your insurance though an employer, please enter the ZIP Code for where you live.

Some employers offer BCBS Medicare coverage to their eligible retirees. To find out if you are eligible, reach out to your company benefits representative.

Select BCBS Provider

    Federal employees, retirees and their families are insured by the Federal Employees Program (FEP).
    Federal Employee Program

    Medigap Costs

    Premium

    All Medigap plans require that you continue to pay your Part B premium and a separate premium for Medigap coverage.

    Deductible

    Some plans have deductibles.

    Copays

    A copayment may apply to specific services.

    Coinsurance

    The percentage of coinsurance varies depending on plan.

    Limits and Considerations

    Limits

    Most of the time, Medigap coverage has no network limitations and is available anywhere that Medicare is accepted.

    Things to Consider

    • Some Medigap plans cover foreign travel emergency services.

    • Once you are enrolled in a plan, it renews every year as long as you pay your premium and the plan is available.

    Medicare Eligibility

    Unsure if you’re eligible? Let us help you figure out where you stand. You are generally entitled to Medicare if you meet any of the following criteria:

    • You are aged 65 or above.
    • You are disabled and have received disability benefits from Social Security or Railroad Retirement Board (RRB) benefits.
    • You have been diagnosed with end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS, “Lou Gehrig’s disease”).

    Understanding Eligibility

    Learn more about Medicare enrollment and eligibility.

    Find the Best Medicare Plan for You

    For more than 90 years, Blue Cross and Blue Shield companies have been putting members first, which is why most doctors trust us for Medicare coverage. Explore what Blue Cross and Blue Shield companies have to offer by entering your ZIP Code to find Medicare coverage that fits your needs.

    • If you receive insurance through an employer, please enter the ZIP Code. If you need further help identifying your BCBS company, please contact the employer who provides your insurance for assistance.
    • If you do not receive your insurance though an employer, please enter the ZIP Code for where you live.

    Some employers offer BCBS Medicare coverage to their eligible retirees. To find out if you are eligible, reach out to your company benefits representative.

    Select BCBS Provider

      Federal employees, retirees and their families are insured by the Federal Employees Program (FEP).
      Federal Employee Program

      Medicare overview information on this website was developed by the Blue Cross and Blue Shield Association to help consumers understand certain aspects about Medicare. Viewing this Medicare overview does not require you to enroll in any Blue Cross Blue Shield plans. Plans are insured and offered through separate Blue Cross and Blue Shield companies. Medicare Advantage and Prescription Drug Plans are offered by a Medicare Advantage organization and/or Part D plan sponsor with a Medicare contract. Enrollment in these plans depends on the plan’s contract renewal with Medicare. To find out about premiums and terms for these and other insurance options, how to apply for coverage, and for much more information, reach out to your local BCBS company. Each Blue Cross and Blue Shield company is responsible for the information it provides. For more information about Medicare, including a complete list of plans available in your area, please contact the Medicare program at 1.800.MEDICARE (TTY users should call 1.877.486.2048) or visit www.medicare.gov.

      Medicare has neither reviewed nor endorsed this information.