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Medigap Plans
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BlueCross BlueShield of Western New York

BlueCross BlueShield of Western New York Medicare Supplement Plans in New York

BlueCross BlueShield of Western New York Medigap Plans in New York

This page contains editorial content that is not endorsed or approved by BlueCross BlueShield of Western New York[2]. This is not a solicitation of insurance.

Contact the Plan
MedicareWire Rating:
☆☆☆☆☆
A.M. Best Rating:n/a
A.M. Best Outlook:-
S&P Rating:n/a
Established:1966
NAIC Number:55204
Policy Fee:None

For plan assistance, call 1-855-266-4865
or get your Free Medicare Supplement Rate Comparison via Email (learn more).

Which Supplemental Medicare Plans does BlueCross BlueShield of Western New York sell in New York?

BlueCross BlueShield of Western New York writes 5 of the standardized New York 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 BlueCross BlueShield of Western New York's offering:

Plans Offered by BlueCross BlueShield of Western New York

Plan TypePremium[3]Rating TypeEffective
Medigap Plan A$223.59Community RatedJanuary 01, 2018
Medigap Plan B$295.13Community RatedJanuary 01, 2018
Medigap Plan C$368.92Community RatedJanuary 01, 2018
Medigap Plan F$368.92Community RatedJanuary 01, 2018
Medigap Plan F (HD)$82.73Community RatedJanuary 01, 2018

Community Rated Medigap Plans: When a plan is "Community Rated" the community will all be charged the same monthly premium if enrolled in the same plan. As an example, if you enroll at age 65 or 72 you would be charged the same amount. Premiums will increase, but your age will not be a factor.

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BlueCross BlueShield of Western New York Medigap Plan Benefits Comparison Chart

The following table shows what each BlueCross BlueShield of Western New York Medigap plan covers:

Medigap Plan Benefits

BenefitsABCFF (HD)
Medicare Part A Deductible Part A DeductibleNoYesYesYesYes
Medicare Part A Co-insurance Part A Co-insuranceYesYesYesYesYes
Medicare SNF Co-insurance SNF Co-insuranceNoNoYesYesYes
Medicare Part B Deductible Part B DeductibleNoNoYesYesYes
Medicare Part B Co-insurance Part B Co-insuranceYesYesYesYesYes
Medicare Part B Excess Charges Excess ChargesNoNoNoYesYes
Foriegn Travel Emergency Coverage Foriegn TravelNoNo80%80%80%
Annual Out-of-Pocket Limit Out-of-Pocket LimitsNoNoNoNoNo
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REVIEW: BlueCross BlueShield of Western New York Medicare Supplements in New York

BlueCross BlueShield of Western New York scored 3.5 out of 5.0 based on our scoring method. BlueCross BlueShield of Western New York has a good Plan F rate (top 10), and they have been servicing Medicare Supplements for 54 years, but their A.M. Best financial rating is unknown or not great. Consequently, we cautiously recommend this carrier to New York seniors. See the top 10 competition.

Here are the pros and cons from our analysis:

Pros

  • Competitive Plan F premium.
  • Over 25 years in the Medicare Supplements business.
  • No charge for writing the policy.

Cons

  • Unknown financial strength (no A.M. Best rating).
  • Does not offer Medicare SELECT plans.
  • Does not offer the 5 most popular plans.

About This Review

We reviewed BlueCross BlueShield of Western New York's Medigap plan offering in New York 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.

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Competition vs. BlueCross BlueShield of Western New York Plan F

Plan F is the most popular plan sold by BlueCross BlueShield of Western New York in New York. The table below gives you an idea of rates by the top ten vs. BlueCross BlueShield of Western New York.

Compare Plan F Base Rates

CarrierPremium[3]FeeReview[4]
BlueCross BlueShield of Western New York$368.92None☆☆☆☆☆
AARP$234.75None☆☆☆☆☆
Humana$274.35None☆☆☆☆☆
Globe Life$291.00None☆☆☆☆☆
HIP$317.87None☆☆☆☆☆
CDPHP$336.45$25.00☆☆☆☆☆
Mutual of Omaha$382.53None☆☆☆☆☆
State Farm$400.94None☆☆☆☆☆
Bankers Life and Casualty Company$469.06None☆☆☆☆☆
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Contact BlueCross BlueShield of Western New York Medigap Sales

Sales:833-735-4511
Website:https://www.bcbswny.com/content/wny/medicare.html
Address:257 W Genesee St, Buffalo, NY 14202

For assistance 24 hours a day, call 800-633-4227. TTY users should call 877-486-2048 or visit www.medicare.gov. If you qualify for Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website.

Compare Plan Options

The average New York senior compares three or more plan options before making an enrollment decision.

Eligibility

BlueCross BlueShield of Western New York Medicare Supplements are available to all New York beneficiaries, ages 65 and older, who are enrolled in Medicare Part B. If you are just turning age 65, you have guaranteed issue rights and cannot be turned down by BlueCross BlueShield of Western New York. Plus, your policy cannot be canceled and it will continue to be renewed as long as you pay the premiums on time and make no material misrepresentations.

Availability

BlueCross BlueShield of Western New York services Medicare supplement insurance in Buffalo, Niagara Falls, Rochester, Albany, Schenectady, Troy, Syracuse, Yonkers, New Rochelle, Mount Vernon, Utica, Binghamton, New York, and most other New York cities. Visit the BlueCross BlueShield of Western New York Medicare page for more information.

Related Topics

  • Do I Need Supplemental Insurance If I Have Medicare?
  • Can I Change Medicare Supplement Plans Anytime?
  • What is the Average Cost of Supplemental Insurance for Medicare?

On this page our goal is to help consumers: Compare BlueCross BlueShield of Western New York Medigap plans in NY with all supplemental Medicare insurance. Read reviews and find lowest prices on Plan F, G and N. Did we succeed?

The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on January 27, 2021.

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David Bynon
Chief Petty Officer David Bynon re-enlisting 15 September 2001.

Hello, my name is David Bynon.

I founded MedicareWire in 2011 after retiring from the Navy. I’ve made helping people like you my full-time retirement profession.

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