BlueCross BlueShield is a well-known health insurer and offers health insurance in many states across the United States through subsidiaries. BlueCross BlueShield offers Medicare Advantage, prescription drug coverage, and Medicare supplement insurance plans.

Whether you are interested in Advantage plans, prescription drug coverage, or want to purchase a Medigap plan to supplement Original Medicare, BlueCross BlueShield offers plans to meet your needs.

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The Good

Medicare Plans Offered
Plans Available in Many States
Online Resources

Medicare Plans Offered

BlueCross BlueShield offers Medicare Advantage (Part C) plans, Prescription Drug (Part D) plans, and Medicare supplement insurance. Medicare beneficiaries can enroll in these plans through any insurer that carries these plans.

Original Medicare only covers Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). You enroll in these plans through Social Security. Purchasing a prescription drug plan will provide coverage for your medications. Medicare supplement plans help pay for out-of-pocket expenses (coinsurance or copay) from Medicare Parts A and B.

Medicare Advantage plans cover the same services Original Medicare does. Most of these plans also have qualifying prescription drug coverage and out-of-pocket limits to help you control costs.

For more information on Medigap coverage, Advantage plans, prescription drug coverage and premium amounts, you should contact BlueCross BlueShield directly.

Plans Available in Many States

BlueCross BlueShield has several subsidiaries across the United States. Some of its subsidiary companies focus their services in a certain area. If you're not sure which BlueCross BlueShield branch serves your area, you can go through BlueCross BlueShield's website. The website will direct you to the service provider in your area after you input your zip code.

Online Resources

BlueCross BlueShield's website offers good information on how Medicare works and its parts. Medicare shoppers can learn from this information without pressure to purchase a plan through BlueCross BlueShield.

The BlueCross BlueShield website also allows visitors to view and compare Medicare plans online. This comparison tool can make it easier for people to find a Medicare plan that meets their needs. Medicare shoppers can also enroll in a plan online.

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The Bad

Limited Customer Insight
Plan Offerings May Vary or Change Year to Year

Limited Customer Insight

Best Company has not recieved many reviews for BlueCross BlueShield Medicare. Due to this lack of reviews, general conclusions about the Medicare customer experience and recommendations are not available.

Plan Offerings May Vary or Change Year to Year

Some Medicare Advantage plan specifics may vary depending on your location. They may also vary plan to plan. While there is some variability, Medicare Advantage plans offer both medical and hospital insurance. Prescription drug plans can change what medications are covered. Medicare Advantage plans can have network changes.

Medicare is run by the government, so as the government makes changes, some offerings may be discontinued or new offerings rolled out. It's a good idea to look out for how Medicare is changing and review your Annual Notice of Change letter.

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The Bottom Line

BlueCross BlueShield is worth exploring further when looking for a Medicare supplement insurance plan, prescription drug coverage, or a Medicare Advantage plan.

As plan options may vary based on your location, work with BlueCross BlueShield directly to learn more about coverage options, benefits, monthly premium costs, and out-of-pocket expenses.

As you evaluate plans, pay attention to what each plan covers and costs to find a plan that best meets your needs. If you've already enrolled in Medicare, pay attention to how your plan has changed to make sure you have coverage the meets your financial and medical needs.

While it's frustrating that information on BlueCross BlueShield's general Medicare coverage is limited, it's understandable because the insurance company has so many regional subsidiaries.

To determine whether BlueCross BlueShield Medicare coverage is a good fit for you, you'll need to check with the subsidiary in your area. You should also consider customer reviews for your BlueCross BlueShield subsidiary as you make your choice.

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User Reviews

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3.6

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23 Reviews

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Margaret Lynn Alsip, IL

Be aware of blue cross blue shield Medicare advantage. Bad news if you get sick. My dad had cellulitis in his leg and needed to go into a nursing home rehab. The plan was to keep him there for 30 days of rehab. After 12 days the insurance discharged him . He barely can walk, both feet are completely swollen where he can't get his shoes on and he lives alone most of the time. He's so weak. How can they do that? Horrible and dangerous. Oh, he will get a nurse and therapy once a week. Big deal. What about the rest of the hours in the week. So unfair. The doctor didn't release him, the insurance did. He's paying a nice premium every month. Be very careful.

5 years ago

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joseph E. Indio, CA

This is not an honorable company i had medicare. From 1/1/2016 to 5/24/2018 Blue Cross premiums were paid by a trustee in New York. I discovered on 5/24/2018, premiums still being paid, canceled policy , and was informed because another policy was paying my claims and not Blue Cross, I should expect a refund. Made complaint with DMHC. Finally received a check for $3,274.32 over payment $41,150 refund amount $3,274.32 they kept $37,875.68 for doing nothing SLEEZY

4 years ago

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Jackie Stein Worcester, MA

On the 5th page of their enrollment form in a final paragraph they state that they have contracted with Medicare & Medicare Services and are the risk-bearing entities for Blue MedicareRx (PDP) plans. The joint enterprise is a Medicare approved Part D Sponsor Enrollment in Blue MedicareRx (PDP) depends on the contract." By enrolling with them they automatically signed me up for Medicare Part D. I have no prescriptions but I am being billed $70. per month for Part D. I was told there was no way to cancel it because it came with the insurance.

4 years ago

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marco Munford, TN

Always confusing the website needs updating very confusing to check who is in your network. Not very easy for a new person doing insurance for the first time.

5 years ago