Medicare Supplemental Insurance Plans (Medigap)

Original Medicare pays for many, but not all, health care services and supplies. A Medigap policy can help pay some of the health care costs (“gaps”) that Original Medicare doesn’t cover, like copayments, coinsurance and deductibles.

BlueCross BlueShield of Western New York’s Medicare Supplemental Insurance (Medigap) offers:

  • Low premium plan options
  • Coverage across the country
  • No referrals
  • Most plans include no copays for Medicare-covered services
  • Multiple plan options to fit your needs

If you are in a Medicare MSA Plan, a Medigap policy won’t cover any part of your deductible. Also, if you are in a Medicare MSA Plan, it’s illegal for anyone to sell you a Medigap policy.

To enroll, open and complete a Medigap enrollment form and return it to the address on the form.

You must live in one of the following Western New York counties to be eligible for enrollment in one of our Medicare Advantage plans:

  • Allegany
  • Genesee
  • Cattaraugus
  • Niagara
  • Chautauqua
  • Orleans
  • Erie
  • Wyoming

We offer two options for completing a Medigap enrollment form:

  1. Open the form and fill it out on screen, save it to your computer, then print a copy of the completed form. 
  2. Open the form and print a copy, then complete it by hand.
     

In either case, please mail the completed form to the address on the form.

Open the Enrollment Form

Most entities that currently provide prescription drug coverage to Medicare-eligible beneficiaries must disclose whether the entity’s coverage is “creditable prescription drug coverage”. A disclosure is required whether the insurer is primary or secondary to Medicare. A description of an entity, as defined by the Centers for Medicare & Medicaid Services (CMS), can be found at the following web site: http://www.cms.hhs.gov/CreditableCoverage/

Disclosure of whether prescription drug coverage is creditable provides Medicare-eligible beneficiaries with important information relating to their Medicare Part D enrollment. Beneficiaries who are not covered under creditable prescription drug coverage and who choose not to enroll before the end of their initial enrollment period for Medicare Part D likely will pay a higher premium on a permanent basis if they subsequently enroll in Medicare Part D.

Supporting Links:

Need Assistance?

Phone Icon

1-800-248-9296  (TTY 711)

Oct. 1 - Feb. 14, 8 a.m. to 8 p.m., 7 days a week
Feb. 15 - Sept. 30, 8 a.m. - 8 p.m., Mon. - Fri.

Meet With Us Icon

Meet With Us

Find a Medicare Advantage meeting near you.

Request a Sales Kit Icon

Request a Sales Kit

Submit your request online or call us.



Our Star Rating:

PPO:

PPO: Star Icon

HMO:

PPO: Star Icon

 

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or copayments/coinsurance may change January 1 of each year. The Formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary. You must continue to pay your Medicare Part B Premium.

Out-of-network/non-contracted providers are under no obligation to treat BlueCross BlueShield of Western New York members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services. 

Medicare evaluates plans based on a 5-star rating system. Star Ratings are calculated each year and may change from one year to the next.

BlueCross BlueShield of Western New York is a Medicare Advantage plan with a Medicare contract and enrollment depends on contract renewal.

A division of HealthNow New York Inc., and independent licensee of the BlueCross BlueShield Association. A salesperson will be present with information and applications. For accommodations of persons with special needs at sales meetings, please call 1-800-329-2792 (TTY 711). BlueCross BlueShield of Western New York complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-800-329-2792 (TTY: 711).

注意:如果您使用繁體中文,您可以免費獲得語言援助服務。請致電 1-800-329-2792 (TTY: 711).

Y0086_MRK1961 Approved
Content Last Updated October 1, 2017