Blue Cross Blue Shield Medicare Supplement Review (2026)

Blue Cross Blue Shield has all 10 Medicare Supplement plan types, but availability varies by state. Each plan covers a standardized set of Medicare out-of-pocket costs, so a Plan G from Blue Cross Blue Shield covers the same benefits as a Plan G from any other insurer. Plan availability, premium pricing, customer service and pricing methods are what set insurers apart.

Blue Cross Blue Shield Medicare Supplement plans are available in 37 states plus Washington, D.C., though the plans you can buy and what you'll pay depend on where you live. Florida has the widest selection, with all 10 standardized plan types available. Most states offer Plans A, F, G and N at minimum. Massachusetts, Minnesota and Wisconsin don't follow the standard lettered plan structure. Pricing methods also vary by state, with most Blue Cross Blue Shield members using Attained Age Pricing, so your premiums increase as you get older.

Blue Cross Blue Shield Medicare Supplement premiums vary by plan, with some running above the national average and others below. Plan G averages $170 per month for comprehensive coverage, $5 below the national average. Plan K is the lowest cost option at $107 per month for 65-year-olds. 

Plan M has the largest premium increase over the national average, costing $137 more than average at age 65 and $158 more at age 75. Plans C and K are the only options that remain below the national average at both ages 65 and 75.

Blue Cross Blue Shield Medicare Supplement policies feature added perks beyond basic Medigap benefits, depending on your state and local BCBS affiliate. 

• Any Medicare-Accepting Provider: See any doctor or specialist who accepts Medicare, with no referrals required. This applies nationwide, including when you travel.
• SilverSneakers Fitness Program: Select Blue Cross Blue Shield plans include SilverSneakers for free, giving you access to thousands of gyms and fitness centers nationwide, plus live and on-demand virtual workout classes.
• Blue365 Wellness Discounts: Blue365 gives you savings on health and wellness products and services, including vision, fitness, weight management, hearing and complementary care like chiropractic and acupuncture.
• TruHearing Discounts: Access discounted hearing aids through TruHearing, with savings of up to 60% off average retail prices at participating providers.

Use the filterable table below to compare Blue Cross Blue Shield Medigap plans in your state:

MoneyGeek collected data for all Medicare plans nationwide for ages 65 and 75, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies based on three main categories to create a weighted score out of 5:

• Affordability (50%): Providers with the lowest monthly cost score higher.
• Pricing style (20%): Medigap insurers use three methods to determine premiums: community pricing, issue-age pricing and attained age pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: community pricing 1.0, issue-age pricing 0.8, attained-age pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
• Plan and state availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular Plan G, Plan F and Plan N. Providers that have broader nationwide availability across more states also score higher.