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Coverage for Dependents

There’s a lot to consider when enrolling in Medicare and choosing a plan. Your other family members could be a big factor in your decision. Maybe you have a spouse or dependent who’s in a different phase of their life, and not eligible to enroll in Medicare yet. We have plans for them too and can help you find coverage for the whole family. 

Understanding your Options

Medicare only covers the individual who qualifies, and those benefits do not apply for his or her dependents, such as a spouse or children. But BlueCross BlueShield of Western New York has them covered. We offer a number of individual and family plans to fit the need of your spouse or dependents.

When you’re comparing coverage options, we can also help you determine if you qualify for financial assistance. The amount of financial help you can receive depends on your family size and how much you earn.

The most cost-effective plan isn’t always the one with the lowest monthly premium, instead think about a plan’s total cost. Total cost is the monthly premium and yearly deductible, plus the copays or coinsurance you’ll pay when you receive services.

To learn more about our individual and family plans, check out the links below.
*Please note, these pages contain non-Medicare information.

Medicare Questions?

We're here to help.

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

BlueCross BlueShield of Western New York (BCBSWNY) is a division of HealthNow New York Inc., an independent licensee of the Blue Cross and Blue Shield Association. BCBSWNY 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 linguistica, Llame al 1-833-735-4515 (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 1-833-735-4515 (TTY 711) 

Content Last Updated: October 1, 2019