Blue Shield Medi-Gap – Supplement Plans

These plans allow you to go to ANY Doctor or Hospital that accepts Medicare 

Blue Shield Authorized Agent
No extra charge to you 

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Blue Shield Medi Gap

Plans at a Glance
rev 7.2021

Blue Shield Medi Gap Plans at a Glance

A Medigap policy is private health insurance that helps supplement Original Medicare. This means it helps pay some of the health care costs that Original Medicare doesn’t cover (like copayments, coinsurance, and deductibles). These are “gaps” in Medicare coverage.

If you have Original Medicare and a Medigap policy, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medigap policy pays its share.   A Medigap policy is different from a Medicare Advantage Plans – Part C  (like an HMO or PPO) because those plans are ways to get Medicare benefits, (here’s a comparison of the differences) while a Medigap policy only supplements the costs of your Original Medicare benefits. Medicare.Gov Guide to Medigap *

Medicare Part A
(#Hospital Insurance)

Medicare Part A Hospital coverage helps pay for care in hospitals as an inpatient,... skilled nursing facilities, hospice care, and some home health care (see publication # 10969) but not Long Term Care.  

Most people get Part A automatically when they turn age 65 at no charge, since they or a spouse paid Medicare taxes while they were working.  You need to sign up close to your 65th birthday, even if you will not be retired by that time. (If you are getting Social Security benefits when you turn 65, your Medicare Hospital Benefits - Part A - start automatically.) 

Here's a chart it's just a illustration and is NOT official  that shows what Medicare pays, the gaps in Medicare and what you may get when you add a Medi Gap Plan or Medicare Advantage to cover those gaps.

Medicare Part A

Medi Gap – Supplement Plans 

Part B (Medical #Insurance)

Part B - Outpatient helps Pay For Doctors' services, outpatient hospital care, and some other medical services that Part A does not cover, such as the services of physical and occupational therapists, and some home health care see publication 10969, but not Long Term Care. Part B helps pay for these covered services and supplies when they are medically necessary.

The chart below is a very brief summary.  Check the actual Evidence of Coverage for the plan you want to enroll in, Medicare & You or actual Medicare documents.

What part b pays and what you get with Medi Gap or MAPD

Medi Gap A - N Chart
Rev. 7.2021
Click link or image to enlarge

Plan A - N chart a - n chart


NAIC Draft Chart for 2020

What is a better choice for Me?

Evidence of Coverage

2022 Open Plans

Plan A (PDF, 231 KB)
Plan F Extra* (PDF, 292 KB)
Plan G (PDF, 237 KB)
Plan G Extra (PDF, 294 KB)
Plan G Inspire (PDF, 287 KB)
Plan N (PDF, 240 KB)



Plan A, Jan. 2018 (PDF)
Plan F Extra, Oct. 2018  (PDF)
Plan G, Jan. 2018 (PDF)

Plan G Extra, Jan. 2020 (PDF)
Plan N, Jan. 2018 (PDF)

(Email us if the links require a password) 

Evidences of Coverage for 2010 Standardized Closed Plans (closed 9/30/2019)

Plan C, Jan. 2018 (PDF)
Plan D, Jan. 2018 (PDF)
Plan F, Jan. 2018  (PDF)
High Deductible Plan F, Jan. 2019 (PDF)
Plan K, Jan. 2019 (PDF)

Evidences of Coverage for Standardized and Pre-Standardized Closed Plans (closed prior to 5/31/2010)

Get complete descriptions of our closed Medicare Supplement plans.

Plan A (pre June 2010) (PDF)
Plan B (pre June 2010) (PDF)
Plan C (pre June 2010) (PDF)
Plan D (pre June 2010) (PDF)
Plan F (pre June 2010)  (PDF)
Plan G (pre June 2010)  (PDF)
Plan J (pre June 2010)  (PDF)
Plan K (pre June 2010)  (PDF)
Plan H Standard  (PDF)
Plan H Plus Rx  (PDF)
Plan I Standard (PDF)
Plan I Plus Rx (PDF)
Coronet Major Medicare (PDF)
Coronet Senior Standard  (PDF)
Coronet Senior Plus Rx  (PDF)
Golden Coronet Senior Standard  (PDF)
Golden Coronet Senior Plus Rx  (PDF)
Preferred Senior  (PDF)

Closed plan rate sheets 

2010 Standardized Closed Plans (closed 5/31/2010) (PDF)
1990 Standardized Closed Plans (closed 5/31/2010) (PDF)
1990 Standardized Closed Plans (closed 12/31/2005) (PDF)

Blue Shield Videos On Medicare 

you tube videos

“Medicare Enlightenment” video series out now!

Child & Related Pages – Site Map 

39 comments on “Blue Shield – Medi-Gap – Any Medicare Provider

  1. 4 comments on “FAQ’s non conical”

    1. Anonymous says:

      I think it’s fairly simple — if you want the most coverage, you get A, B, D + F.. Am I correct?

      • Depends what you mean by “most.” Part A covers hospital. Part B doctor visits. Learn More Part D covers outpatient prescriptions, rx. Plan F pays the co pays and deductibles in A & B. See the comparison below and note that the standard F doesn’t have the $2,240 deductible.

        Some would say “most” might be a Medicare Advantage plan, in that the premiums are usually nil. One downside is the limited HMO doctor list Medicare Advantage MAPD may also cover vision and dental. Check our Medicare Advantage pages to learn more. Here’s our page on comparing Medi Gap vs MAPD. Medi Gap though gives you MUCH more freedom of choice of doctors.

    2. Anonymous says:

      I’m thinking of getting Hi F, with the $2,240 deductible. How do I know if that’s the right plan for me?

      • We’ve discussed similar questions here.

        There is no FREE LUNCH when you buy Insurance. The Insurance Companies are in business to make a profit. Either way, the Insurance Company has calculated that they will pay out 80 cents on each dollar of premium they take in.

        Check out the sample rates below from the Blue Shield Medi Gap Brochure

        Does saving around $120/month or $1,400/year make it worth it to get back $2,200 if you have that many claims? Why not get Long Term Care, where the stakes are higher and there is the potential for real loss and hardship. The difference between F and Hi F is $800. I don’t think that will bankrupt anyone.

        Rate Chart

  2. I have Medi Gap Plan F Extra and Blue Shield Rx Plus for Part D

    I don’t know if I should keep what I have or if there are better options.

  3. I’m having medically necessary treatment for varicose veins.

    How much would Medicare pay?

    How much would a Medi Gap plan pay?

  4. Underwriting Holiday

    Memo Rec’d from Blue Shield (11.2.2020)

    For a limited time, Medicare beneficiaries can enroll in a Blue Shield of California Medicare Supplement plan without answering health questions or obtaining underwriting approval.

    Medicare Supplement and Medicare Advantage Plan members from Blue Shield or other carriers switching to a Blue Shield Medicare Supplement plan are eligible to apply.

    This opportunity includes applications received November 2, 2020 at 12 a.m. through February 28, 2021 at 11:59 p.m. with effective dates of December 1, 2020 through April 1, 2021. Must be a California resident.

  5. Do you know if there will be any increases on our current Blue Shield supplemental plan [Hi F] next year?

  6. I have blue shield plan F extra medigap and live in California. I’d like to know exactly what vision benefits I qualify for, specifically what are the glasses + frames benefits. Thanks

  7. I have Plan N and would like to get an Issue Age plan, rather than having the rates go up every year, based on attained age. Are those plans available in CA?

    • Please review our webpage above and our webpage on Plan F Extra. The main difference in Extra or Innovative is the Hearing Aids, Vision, Teledoc, Over the Counter Medications and Help, I can’t get up. See the link above for the summary of benefits for more detail.

      Right now, Blue Shield is having a “special” and you can get into their Extra Plans, from any other Medi Gap carrier. Email us for details.

      Next year, under the Birthday rule, Extra and Innovative will be considered the same and not better. So, one would be able to switch.

      (M) New or innovative benefits, as described in subdivision (f) of Section 1358.9 and subdivision (f) of Section 1358.91, shall not be included when determining whether benefits are equal to or lesser than those provided by the previous coverage.

      Why are Medi Gap companies offered more benefits?

      One reason is a new buzz word, Social Determinants of Health. Click on the link and check it out.

  8. My wife is disabled with a brain tumor. She has plan High F. She collects SSDI and qualified for Medicare after two years of disability. She is also on Medi Cal.

    We currently pay $412.30 for Part F and the Duo Package (dental and vision), plus $86.40 for the PDP.

    Any suggestions?

    • Billing options

      Once you have enrolled in a Blue Shield Medicare Supplement plan, you have several options for plan dues payment.

      1. Easy$Pay – Pay your plan dues with Blue Shield’s quick and convenient Easy$PaySM program, an automatic electronic transfer on the 1st or 15th of the month from your checking or savings account. There’s no check to write and no postage to pay. A record of your payment is included on your bank statement. Remember, if you choose this option, you can save $3 off your dues each month. Easy$Pay authorization instructions are included in the application within this enrollment kit.

      2. Quarterly billing – Blue Shield will bill you once every three months.

      3. Monthly billing – Blue Shield will send you a bill each month.

      With Options 2 and 3, the bill will tell you the date your payment is due.

      The dues you pay or the benefits you receive may change during the year. In either case, Blue Shield will always let you know at least 60 days in advance

      Source – Summary of Benefits

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