Supplemental Insurance


Medicare Supplement Insurance Plans


Medicare is a federal program to help older Americans and some disabled Americans pay for the high cost of health care. To help cover the costs Medicare doesn’t, you have a choice of affordable Medicare Supplement insurance plans from Blue Cross and Blue Shield of Illinois.  Reliable, Affordable Medicare Supplement Plans from the Illinois Leader in Medicare Supplement Protection  With Blue Cross and Blue Shield of Illinois, you don’t have to sacrifice comprehensive benefits or freedom of choice for affordability. Blue Cross Blue Shield’s Medicare Supplement (Medigap) insurance plans provide substantial benefits at rates that can save you money over other plans.

Medigap (Supplemental Insurance)


Medicare Supplemental Insurance (Medigap) provides coverage for benefits not covered by Medicare. You are able to choose from several different standardized Medigap policies. The benefits in any Medigap Plan are the same for any insurance company.

A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will pay both their shares of covered health care costs.

Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium. In addition, you will have to pay a premium to the Medigap insurance company.

You and your spouse must each buy separate Medigap policies. Your Medigap policy won’t cover any health care costs for your spouse.