BlueCross BlueShield of Western New York Medicare Supplement Plans in New York
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| 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 |
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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:
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.
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
| Benefits | A | B | C | F | F (HD) |
|---|---|---|---|---|---|
 Part A Deductible | No | Yes | Yes | Yes | Yes |
| Part A Co-insurance | Yes | Yes | Yes | Yes | Yes |
| SNF Co-insurance | No | No | Yes | Yes | Yes |
| Part B Deductible | No | No | Yes | Yes | Yes |
| Part B Co-insurance | Yes | Yes | Yes | Yes | Yes |
| Excess Charges | No | No | No | Yes | Yes |
| Foriegn Travel | No | No | 80% | 80% | 80% |
| Out-of-Pocket Limits | No | No | No | No | No |
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.
