Which Blue Cross Blue Shield Medigap Plan Is Right for Me?
Now that you’ve learned a bit about each type of plan, let’s figure out which one is right for you. Our outline below will help you better understand which plan might work best for you or your spouse.
Seniors with limited funds who don’t go to the doctors as often
Do you rarely visit the doctor? Are you active and healthy? Then you may not need as much supplemental coverage as others. Plan N could be a good option for you, given its low premium. Just know that you’ll owe a $20 copay for each office visit and a $50 copay for ER visits.
FYI: If you’re still not sure which plan or provider is right for you, head to our Medigap guide. We cover tips for choosing the right plan, how to enroll, and more.
Seniors with a chronic illness, frequent appointments, or needed surgeries
If you know that you’ll be regularly attending doctor’s appointments, scheduling surgeries, or visiting specialists, a Plan G high-deductible option may be a good fit. In 2022, Plan G has a $2,490 deductible. In other words, after you pay $2,490 in out-of-pocket costs, the plan kicks in to help pay your out-of-pocket Medicare costs.
Pro Tip: Plans A through G have higher premiums with limited out-of-pocket costs. Plans K through N give you similar benefits at lower premiums, but you’ll have higher out-of-pocket costs.
Seniors who love to travel
International travel is a popular way to spend your retirement years. Any older adult with the travel bug should consider plans C, D, F, G, M, or N. Having 80 percent of qualifying emergency care costs covered will lessen the financial blow if you experience a medical emergency while traveling abroad.
Seniors who want basic coverage and lower premiums
BCBS’ Medigap Plans A and B take care of your copayments and coinsurance from Original Medicare Part A and Part B. This can make the cost of routine appointments, home health care, hospice care, and hospital stays more predictable and affordable. And, with these plans, you’re not paying for coverage you won’t use. Of course, that could mean you’ll face a few unexpected expenses.