Medicare Supplement (Medigap) Plans
36-Month Guaranteed Issue
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136,280 BlueCross Medicare Members in South Carolina
What Does a Medicare Supplement Plan Cover?
Medicare Supplement plans—also called Medigap—help pay the costs that Original Medicare doesn’t fully cover. These plans work alongside your Medicare Part A and Part B benefits to reduce your out-of-pocket expenses.
Here’s what they typically include:
- Coverage for Medicare “gaps”:
- Copayments and coinsurance for hospital and medical services
- Deductibles for Part A and/or Part B (depending on the plan)
- Predictable costs: Medigap plans help you avoid surprise bills by covering many of the costs Original Medicare leaves behind.
- Freedom to choose providers: You can see any doctor or hospital that accepts Medicare, with no network restrictions.
- Nationwide coverage: Your benefits travel with you anywhere in the U.S. — ideal for those who move or travel frequently.
- Optional foreign travel emergency coverage: Some plans include limited benefits for emergency care outside the U.S.
Flexibility You Can Count On
With a BlueCross Medicare Supplement plan, you’re never locked in.
Choose the plan that works for you today, and if your needs change later, you can switch to another BlueCross Medicare Supplement plan — no health questions asked.
Other insurance companies often require you to answer health questions if you want more coverage after you first become Medicare eligible. With BlueCross, you have the flexibility and peace of mind to make changes when your life situations change.
Most Popular Medicare Supplement Plans
When Can I Enroll in a Medigap Plan?
You can enroll in or make changes to a Medicare Supplement plan during specific enrollment periods.
Medicare Supplement Open Enrollment
- This is the best time to enroll in a Medicare Supplement plan.
- Open enrollment begins when you are 65 or older and enrolled in Part B.
- It lasts for six months.
- Coverage is guaranteed — no medical underwriting required.
Enrolling Outside Open Enrollment
If you apply after your open enrollment period:
- Medical underwriting may apply.
- Acceptance is not guaranteed.
- Premiums may vary based on health history.
