BlueCross BlueShield of North Carolina

Blue Medicare SupplementSM
Blue Medicare Supplement is available in all 100 counties.

Free Rate Quote

These Blue Medicare Supplement plans are available through May 31, 2015.

Medicare (Parts A and B) covers many health care services and certain prescription drugs, but it won't cover all of your copayment, coinsurance and deductible costs.

Blue Medicare Supplement plans (also known as Medigap plans) help pay for many of those extra expenses not covered by Medicare alone.1

Medicare covers about 80% of your medical costs, which leaves you responsible for about 20% of your health related expenses.2

Blue Medicare Supplement plans give you additional coverage for Medicare deductibles and coinsurance when it comes to services like:

  • Hospital stays
  • Skilled nursing facilities
  • Physician services
  • Diagnostic tests
  • Medical and surgical services and supplies

Blue Medicare Supplement also includes:

  • Foreign travel emergency coverage (available for some plans)5
  1. The Blue Medicare Supplement policy is an insurance contract. These policies may not fully cover all of your medical costs. These policies contain provisions that limit benefits to those approved for payment by Medicare.
  2. If you go to a physician not participating in Medicare you may be responsible for the difference in the approved Medicare charge and the billed amount. Private contracts between you and a provider are excluded from Medicare and Medicare Supplemental payments.
  3. 80% of medically necessary emergency care services beginning during the first sixty days of trip outside of the USA, after $250 deductible, up to $50,000 lifetime maximum.

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All of our Blue Medicare Supplement plans are attained-age rated.1 This means they're plans with low monthly premiums that will increase based on the following:

  • Age, when you move from one age band to the next
  • Medical inflation
  • Overall claims experience

We offer 11 Blue Medicare Supplement plans. They're labeled A, B, C, D, F, High Deductible F, G, K, L, M and N. Each plan has its own mix of the following benefits, which Medicare doesn't cover:2

Basic Benefits Skilled Nursing
Facility Coinsurance
Part A Deductible Part B Deductible
Plan A

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Plan B

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Plan C

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Plan D

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Plan F/
Hi Ded F

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Plan G

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Plan K
  • Hospitalization & Preventive care paid at 100%; other basic benefits paid at 50%
  • 50%
  • 50%
Plan L
  • Hospitalization & Preventive care paid at 100%; other basic benefits paid at 75%
  • 50%
  • 75%
Plan M
  • Basic: including 100% Part B coinsurance

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  • 50%
Plan N
  • 100% Part B coinsurance, up to $20 co-payment for office visit, and up to $50 co-payment for ER

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Part B Excess
(100%)
Foreign Travel Emergency Out-of-Pocket Limit
Plan A
Plan B
Plan C

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Plan D

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Plan F/
Hi Ded F

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Plan G

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Plan K
  • Out-of-pocket limit is $4,940; paid at 100% after limit is reached
Plan L
  • Out-of-pocket limit is $2,470; paid at 100% after limit is reached
Plan M

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Plan N

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Basic Benefits
Plan A

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Plan B

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Plan C

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Plan D

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Plan F/
Hi Ded F

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Plan G

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Plan K
  • Hospitalization & Preventive care paid at 100%; other basic benefits paid at 50%
Plan L
  • Hospitalization & Preventive care paid at 100%; other basic benefits paid at 75%
Plan M
  • Basic: including 100% Part B coinsurance
Plan N
  • 100% Part B coinsurance, up to $20 co-payment for office visit, and up to $50 co-payment for ER
Skilled Nursing Facility Coinsurance
Plan A
Plan B
Plan C

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Plan D

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Plan F/
Hi Ded F

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Plan G

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Plan K
  • 50%
Plan L
  • 50%
Plan M

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Plan N

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Part A Deductible
Plan A
Plan B

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Plan C

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Plan D

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Plan F/
Hi Ded F

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Plan G

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Plan K
  • 50%
Plan L
  • 75%
Plan M
  • 50%
Plan N

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Part B Deductible
Plan A
Plan B
Plan C

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Plan D
Plan F/
Hi Ded F

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Plan G
Plan K
Plan L
Plan M
Plan N
Part B Excess (100%)
Plan A
Plan B
Plan C
Plan D
Plan F/
Hi Ded F

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Plan G

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Plan K
Plan L
Plan M
Plan N
Foreign Travel Emergency
Plan A
Plan B
Plan C

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Plan D

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Plan F/
Hi Ded F

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Plan G

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Plan K
Plan L
Plan M

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Plan N

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Out-of-Pocket Limit
Plan A
Plan B
Plan C
Plan D
Plan F/
Hi Ded F
Plan G
Plan K
  • Out-of-pocket limit is $4,940; paid at 100% after limit is reached
Plan L
  • Out-of-pocket limit is $2,470; paid at 100% after limit is reached
Plan M
Plan N

*Basic Benefits:

  • Hospitalization. Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
  • Medical Expenses. Part B coinsurance (generally 20% of Medicare-approved expenses) or copayments for hospital outpatient services. Plans K, L and N require insureds to pay a portion of Part B coinsurance or copayments.
  • Blood. First three pints of blood each year.
  • Hospice. Part A coinsurance.

**High-Deductible Plan F has the same coverage as Plan F, except it has a deductible of $2,140 before any benefits begin.

Compare our 11 Blue Medicare Supplement plans' benefits and costs on our comparison chart.

Compare our 11 Blue Medicare Supplement plans' benefits and costs on our comparison chart.

If your coverage with BCBSNC has ended and you need proof of coverage or a Certification of Health Insurance Coverage, please call Customer Service at 1-800-672-6584, Monday - Friday, 8 a.m. to 6 p.m.

  1. When you enroll in an attained-age plan, your rates will increase as you age. Our rates will only increase due to age when you move from one age band to the next. In addition, rate adjustments will also be due to medical inflation or overall claims experience. Rates are subject to change June 1 of each year and are guaranteed for 12 months. Any change in rate will be preceded by a 30-day notice. Members will not be singled out for premium increases based on their individual health. Medicare policies that are attained-age should be compared to issue-age rated policies. Premiums for issue-age policies do not increase due to age as the insured ages.
  2. This is only a summary of benefits describing the policies' most important features. The policy is the insurance contract. You must read the policy itself to understand all the rights and duties of both you and your insurance company. These policies may not fully cover all of your medical costs. Neither BCBSNC nor its agents are affiliated with Medicare.

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To be eligible for Blue Medicare Supplement1, you must be a North Carolina resident and enrolled in Medicare Parts A and B.

Guaranteed Acceptance

You can't be denied for Blue Medicare Supplement coverage if you enroll within 6 months of turning 65 or older AND being enrolled in Medicare Part B.

Avoid Waiting Periods for Pre-Existing Conditions

If you enroll within 30 days following your 65th birthday, or if you have six months of continuous prior coverage, the 6-month waiting period for pre-existing conditions will be waived. Pre-existing conditions are conditions for which medical advice was given, or treatment was recommended by or received from a physician within six months before the effective date of coverage. If you wait until after the deadline to enroll, you may have a waiting period for pre-existing conditions and may have to complete a medical questionnaire.

  1. This is only a summary of benefits describing our policies' most important features. Your policy is your insurance contract. These Blue Medicare Supplement policies may not fully cover all of your medical costs. Neither Blue Cross and Blue Shield of North Carolina nor its agents are affiliated with Medicare.

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There are two ways to enroll in Blue Medicare Supplement:

Enroll Online

  • Get a free rate quote
  • Enter a little information about yourself and we'll show you the Medicare Supplement plans you may be eligible for
  • Choose the plan you like
  • Fill out the online enrollment form and submit

Enroll on Paper

  • Download the enrollment form
  • Print out the form and fill it in
  • Fax the form to 1-336-659-2957, or mail it to us at this address:

Blue Medicare Supplement
P.O. Box 17168
Winston Salem, NC 27116

If you'd rather request the enrollment form over the phone, or if you have enrollment questions, give us a call at 1-800-478-0583. You can call us 7 days a week, 8 a.m. to 8 p.m.

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To learn more about our Blue Medicare Supplement coverage, download and print the following documents for future reference:

Privacy Information, Member Rights and Responsibilities

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Neither Blue Cross and Blue Shield of North Carolina nor its agents are endorsed by or affiliated with the United States government or the federal Medicare program.

Important Legal Information and Disclaimers

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The information on this page is current as of 10/01/2014.

Y0079_6741 CMS Approved 10022014

To view PDF documents, you need to download and install Adobe Acrobat Reader on your computer.