Simply BlueSM Medicare Supplement Insurance Plans | Blue Cross and Blue Shield of Montana

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Blue Medicare Supplement Insurance Plan 

Compare All Medicare Supplement Insurance Plans

Medicare Supplement Insurance Plans are identified by the letters A, B, C, D, F, G, K, L, M and N. Each plan covers a different set of costs. The chart below shows plans available in Montana.

Basic Benefit Options Comprehensive Plan Options Budget-Conscious Plan Options
Plan A Plan C Plan F Plan G High Deductible Plan F3 Plan M Plan N
Basic Benefits ✔  ✔  ✔  ✔  ✔  ✔ 
copay4
applies
Skilled Nursing Coinsurance ✔  ✔  ✔  ✔  ✔ 
Part A Deductible ✔  ✔  ✔  ✔  50% ✔ 
Part B Deductible ✔  ✔  ✔  ✔ 
Part B1
Excess
✔  ✔  ✔ 
Foreign Travel2
Emergency
✔  ✔  ✔  ✔  ✔ 

Eligibility

Medicare Supplement Insurance Plans complement Original Medicare. If you’re eligible for Medicare, you’re also eligible for a Medicare Supplement Insurance Plan.

Eligibility is simple. If you’re at least 65, you must be:

  • Enrolled in Medicare Parts A and B.
  • A resident of the state where the plan is offered.

If you’re under 65 and disabled, you must be:

  • Getting Social Security Disability Insurance for 24 consecutive months, or
  • Be diagnosed with ALS (Amyotrophic Lateral Sclerosis), in which case Medicare starts immediately

Enrollment Periods

You can enroll in a Medicare Supplement Insurance Plan during the six-month open enrollment period that starts once you’re 65 and have Medicare Part B. This six-month open enrollment period is the best time to enroll because it’s the only time when enrollment is guaranteed. If you want a Medicare Supplement Insurance Plan after the open enrollment period, you may have to meet certain requirements and could pay more for the plan.

Guaranteed Eligibility

As long as you are 65 or older, have Medicare Part A and are within the six months following your enrollment for Medicare Part B, your acceptance is guaranteed. If you are under 65, have Medicare Part A and are enrolled in Medicare Part B, your acceptance is guaranteed within six months of your Part B effective date or another qualifying event. If you are on Medicare under age 65, you will also have a six-month open enrollment period when you reach age 65. If you are turning age 65, were previously enrolled in Medicare Parts A and B, and apply within six months of turning 65, your acceptance is guaranteed. 

Help Me Choose A Plan

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Now that you’ve picked a plan, it’s time to enroll.

Useful Tools

Rates as of 04/01/2018. Rates are illustrative only. Actual rates are based on your ages, where you live, and your choice of coverage. Please do not send money, you cannot obtain coverage under the above plans until an application is completed and approved. Benefit exclusions and limitations might apply.

Important Information about Quotes for Medicare Supplement Insurance Plans

Quoted prices are based on the criteria specified during your search. This illustration is subject to Blue Cross and Blue Shield of Montana's rating or underwriting and approval, as appropriate, and does not guarantee rates, coverage or effective date. Furthermore, rates are subject to change if any of the information you have provided changes when and if a policy is approved. In addition, Blue Cross and Blue Shield of Montana reserves the right to change rates from time to time. 

  1. Not to exceed any change limitation established by the Medicare program or state law.
  2. Plans cover medically necessary emergency care services needed immediately because of an injury or illness of sudden and unexpected onset, beginning during the first 60 days of each trip outside the USA. There is a deductible of $250 and a lifetime maximum benefit of $50,000.
  3. Plan F also has an option called a high-deductible Plan F. this high-deductible plan pays the same or offers the same benefits as Plan F after one has paid a calendar year $2,240 deductible. Benefits from high-deductible Plan F will not begin until out-of-pocket expenses are $2,240. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the plan’s separate foreign travel emergency deductible.
  4. Plan N requires a copayment of up to $20 for office visits and a copayment of up to $50 for ER.

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