Blue Cross Blue Shield - Filling the Gaps of Original Medicare

Many seniors new to the idea of BCBS Medicare Supplement plans are curious about why they need supplement insurance in addition to their standard Medicare coverage.

While Medicare is a great federal program designed to help seniors pay for the high costs of health care, it was never intended to pay for all costs.

This is a fact that surprises many people and causes them to want to find something that gives them more coverage. What you need is to simply add to your Medicare coverage with a medicare supplement insurance plan. This way, you will be less responsible for your overall health care costs.

Medicare has two parts – Part A gives hospital and nursing care coverage and Part B covers standard doctor bills and various other medical costs. Even with this seemingly all-encompassing coverage, many portions still come out-of-pocket without a Blue Cross Blue Shield Medicare Supplement plan.

Things such as the Part A hospital deductible, co-pays on lengthy hospital stays, nursing care past 20 days, and a lot more become additional payments you must still make on your own. This becomes difficult if not impossible when living on a fixed income as a retired senior citizen.

Private insurance agencies like BCBS offer Medicare Supplemental plans for seniors all over the country. Such plans are standardized by the government and are named Plans A through L.

This makes selecting your plan much simpler. Once you decide which plan suites your current physical and health needs, then you can compare pricing options from different providers. Overall pricing, reputation, membership benefits and quality of service can all play a role in which company you decide to choose.

Eligibility for BCBS Medicare Supplement plans comes with no fine print if you are a US citizen over the age of 65 with Medicare Part A and Part B already part of your coverage. In this case, you are automatically guaranteed to be covered. If you are under 65, your coverage depends on current diseases, disabilities and if you already possess Medicare Parts A and B. If you are looking for great service at a great price, consider a Blue Cross Blue Shield Medicare Supplement plan.