Skip to main content

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 does not cover such as copayments, coinsurance, and deductibles. 

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

  • Low premium plan options
  • Coverage nation-wide
  • No referrals necessary
  • Multiple plan options to fit your specific needs
  • No copay for Medicare-covered services (most plans)

Medicare Supplemental Coverage Options

If you are in a Medicare Medical Savings Account (MSA) Plan, a Medigap policy will not cover any part of your deductible. In addition, if you are in a Medicare MSA Plan, it is illegal for anyone to sell you a Medigap policy. 

What are the eligibility requirements?

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

Ready to enroll in Medigap?

We offer two options for completing a Medigap enrollment form: 

  1. Download the form and complete, then print a copy to mail to the address on the form.
  2. Print the form then complete by hand, and return to the address on the form. 

Creditable vs. Non-Creditable Coverage

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 on their website

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. 

Looking for another plan?

Medicare Questions?

We're here to help.

1-833-735-4511 (TTY 711)
Oct. 1 - Mar. 31, 8 a.m. - 8 p.m., 7 days a week
Apr. 1 - Sept. 30, 8 a.m. to 8 p.m., Monday-Friday

BlueCross BlueShield of Western New York is a Medicare Advantage plan with a Medicare contract and enrollment depends on contract renewal.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 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. A division of HealthNow New York Inc., an 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 1-800-248-9296 (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 1-833-202-9524 (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 1-833-202-9524 (TTY: 711).

Y0086_MRK2150 Approved
Content Last Updated June 18, 2018