Blue Cross Blue Shield Medicare Supplement Review (2026)

Blue Cross Blue Shield covers 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.

Blue Cross Blue Shield Medicare Supplement plans are available in 37 states plus Washington, D.C. 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.

Massachusetts, Minnesota and Wisconsin use their own standardized plan structures and don't follow the lettered plan format. Pricing methods vary by state. Most Blue Cross Blue Shield members are on Attained Age Pricing, so premiums rise as you age.

The pricing method column matters more than the plan list for most enrollment decisions. Of the 38 markets where BCBS sells Medigap, 29 use Attained Age Pricing. The nine markets using Issue Age or Community Pricing are where BCBS premiums stay stable over time. 

In Attained Age Pricing states, BCBS Plan G at age 75 costs $55 more per month than at age 65, based on the rate data above. That's $660 more per year just from aging. Your state's pricing method is the single most important factor in evaluating BCBS.

Plan G is the most common choice for new BCBS enrollees at $170 per month for 65-year-olds, $15 above the national average. Blue Cross Blue Shield Medicare Supplement premiums vary widely by plan type. 

Plan M costs $307 monthly at age 65 and $400 monthly at age 75, $158 above the national average at both ages.

At $170 per month at age 65, Plan G costs less than seven of BCBS's 10 plan types. It covers the Part A deductible, skilled nursing co-insurance and most Part B costs.

Plan A at $279 a month, is the second most expensive option in the lineup but covers the minimum Medigap benefits. Plans F, G, K and L all cost less than Plan A while covering more Medicare out-of-pocket expenses.

Select Blue Cross Blue Shield Medicare Supplement plans include SilverSneakers at no extra cost, giving members access to thousands of fitness centers nationwide. Specific perks vary by state and local BCBS affiliate, so confirm what's included before enrolling.

• 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: TruHearing provides discounted hearing aids at participating providers, with savings that vary by device and location.

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 more stable, equitable pricing styles: community pricing scored 1.0, issue-age pricing 0.8 and attained-age pricing 0.6.
• 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 with broader nationwide availability across more states also score higher.