Which Supplemental Medicare Plans does Blue Cross and Blue Shield sell in Louisiana?
Blue Cross and Blue Shield of Louisiana writes 9 of the standardized Louisiana Medicare supplemental insurance plans. Each Medigap plan offers a different range of coverage (see Comparison Chart or check out our Review). Here's a quick look at Blue Cross and Blue Shield's offering:
Attained Age Rated Medigap Plans: With this plan rating type your monthly premium is based on your current age. As you age your premium will increase. As an example, if you enroll in a Medigap policy at age 65 with a premium of $120, it may increase to $138 when you turn 69, and $162 at age 72. Also, Attained Age rated plans may increase with inflation.
SAVINGS OPPORTUNITY: Blue Cross and Blue Shield offers Medicare SELECT plan policies in some areas of Louisiana. A Select plan is a Medigap policy that requires you to use specific hospitals and, in some cases specific doctors, to get the full financial benefit of the plan. A Medicare SELECT plan pays the Medicare Part A inpatient deductible when you use a network hospital or if you use a non-network hospital for emergency care. Otherwise, you pay the inpatient deductible. Other than that it's the same as the standard Medigap plan.
Blue Cross and Blue Shield Medicare Supplement Benefits Comparison Chart
The table below outlines the coverage of each Blue Cross and Blue Shield Medicare Supplement:
REVIEW: Blue Cross and Blue Shield Medicare Supplements in Louisiana
Blue Cross and Blue Shield scored 3.5 out of 5.0 based on our scoring method. See the top 10 competition.
Here are the pros and cons from our analysis:
- Over 25 years in the Medicare Supplements business.
- Offers Medicare SELECT plans.
- No charge for writing the policy.
- Uncompetitive Plan F premium.
- Unknown financial strength (no A.M. Best rating).
- Does not offer the 5 most popular plans.
About This Review
We reviewed Blue Cross and Blue Shield's Medigap plan offering in Louisiana versus all other carriers in the state. Our review is unbiased. We use a formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. We do not take into account rate increase history. Our goal is to present information accurately and without bias, based on our interpretation of factual information about each carrier.