Blue Cross Blue Shield Texas Plan F and Plan G Comparison
Are you considering a Blue Cross and Blue Shield of Texas Medicare plan? Are you wondering what the plans cover and what they cost? If so, scroll down to get your questions answered!
Choosing the right Medicare benefits is essential for keeping your health care costs down, while at the same time securing the coverage that will best fit your specific needs. If you are covered through Original Medicare (Part A and Part B), you may also purchase a Medicare Supplement (Medigap) plan. This insurance can provide coverage to help pay for Medicare's deductibles, copayments, and/or coinsurance costs.
One top Medicare Supplement insurance provider is Blue Cross and Blue Shield of Texas. At Bluewave Insurance, we are proud to offer Medigap plans through BCBSTX.
If you would like a quote and/or you have any additional questions regarding the right Medicare Supplement coverage for you, reach out to us at (800) 208-4974, or you can use our view rates instantly online with our comparison tool.
Company Background
BCBSTX is an independent licensee of the Blue Cross Blue Shield Association. In addition to Medicare Supplement insurance, this company provides access to life insurance, as well as dental, vision and hearing coverage options.
The company is strong and stable financially, and it has a good reputation for paying out benefits. Blue Cross and Blue Shield of Texas has a rating of A+ from A.M. Best Company, a provider of financial data and credit ratings in the insurance industry.
Medigap Plans Offered by Blue Cross and Blue Shield of TX
There are several Medicare Supplement insurance plans that are offered through Blue Cross and Blue Shield of Texas. These include:
• Plan A
• Plan F
• Plan G
• Plan K
• Plan L
• Plan N
There is also a "high deductible" Medicare Supplement Plan F available.
If you purchase a Medicare Supplement plan from Blue Cross and Blue Shield of Texas, you will have access to the following coverage:
• 30-day "free look" period
• Premium discount if more than one person in your household has a BCBSTX Medicare Supplement coverage (where applicable)
• Coverage for various medical needs when traveling outside of the United States
• Freedom to see any doctor that accepts Medicare as a form of payment
Blue Cross and Blue Shield of Texas Medicare Supplement Plan F
Medicare Supplement Plan F is one of the more popular Medigap options. This is due in large part to its comprehensive array of benefits. The coverage offered through Medigap Plan F includes:
| Medicare Benefits | BCBSTX Plan F |
|---|---|
| Medicare Part A coinsurance & hospital costs (up to 365 additional days after Medicare benefits are used up) | 100% |
| Medicare Part B Coinsurance or copayment | 100% |
| Blood (first 3 pints) | 100% |
| Part A hospice care coinsurance or copayment | 100% |
| Skilled nursing facility coinsurance | 100% |
| Medicare Part A deductible | 100% |
| Medicare Part B deductible | 100% |
| Medicare Part B excess charges | 100% |
| Foreign Travel Emergency (up to $50k) | 100% |
Because of its wide array of coverage options, Medicare Supplement Plan F will typically require a higher premium than some of the other available Medigap plans.
Blue Cross and Blue Shield of Texas Medicare Supplement Plan G
Medicare Supplement Plan G is also highly comprehensive. This plan provides all of the same coverage options as Plan F, other than the payment for the Medicare Part B annual deductible. (In 2022, the Part B deductible amount is $233).
Because Plan G does not offer this coverage option, the premium may be less than that of Medigap Plan F.
The full list of Medicare Supplement Plan G benefits includes:
| Medicare Benefits | BCBSTX Plan G |
|---|---|
| Medicare Part A coinsurance & hospital costs (up to 365 additional days after Medicare benefits are used up) | 100% |
| Medicare Part B Coinsurance or copayment | 100% |
| Blood (first 3 pints) | 100% |
| Part A hospice care coinsurance or copayment | 100% |
| Skilled nursing facility coinsurance | 100% |
| Medicare Part A deductible | 100% |
| Medicare Part B deductible | X |
| Medicare Part B excess charges | 100% |
| Foreign Travel Emergency (up to $50k) | 100% |
Depending on your Medicare Supplement coverage preferences, it may be beneficial to compare the cost of Plan F and Plan G.
We can provide you with this information. For Medicare Supplement quotes on BCBSTX, or from any of the other providers we represent, contact us at (800) 208-4974.
Blue Cross and Blue Shield of Texas Medicare Supplement Plan N
With Medicare Supplement Plan N, you will be covered for the basic "core" Medigap benefits, as well as for the Medicare Part A deductible. Other costs with this plan that you would need to pay for out-of-pocket include:
• Medicare Part B deductible of $233 in 2022
• Medicare Part B excess charges
• Up to a $20 copayment for each visit to the doctor
• Up to a $50 copayment for each visit to the emergency room
The full list of Medigap Plan N's benefits includes the following:
| Medicare Benefits | BCBSTX Plan N |
|---|---|
| Medicare Part A coinsurance & hospital costs (up to 365 additional days after Medicare benefits are used up) | 100% |
| Medicare Part B Coinsurance or copayment | $0-$20 Office Copay |
| Blood (first 3 pints) | 100% |
| Part A hospice care coinsurance or copayment | 100% |
| Skilled nursing facility coinsurance | 100% |
| Medicare Part A deductible | 100% |
| Medicare Part B deductible | X |
| Medicare Part B excess charges | X |
| Foreign Travel Emergency (up to $50k) | 100% |
BCBS of TX Medicare Supplement Rates
The Blue Cross and Blue Shield of Texas Medicare Supplement insurance rates may or may not be the most affordable in comparison to other Medigap carriers. Because of this, it is recommended that you obtain quotes from several different Medicare Supplement carriers before you commit to purchasing a plan.
This is particularly true because the Medigap plans of the same letter are required by law to offer the same set of benefits. (In other words, Medicare Supplement Plan G offers the same set of benefit options, regardless of which insurance carrier you purchase it through. The premium that is charged, however, can differ).
Blue Cross and Blue Shield of TX Medicare Advantage Plans
There is an alternate way to secure your Medicare coverage. This is through Medicare Part C – also known as Medicare Advantage. With a Medicare Advantage plan through Blue Cross and Blue Shield of Texas, you will have the same coverage that is available via Original Medicare. However, you may also have added benefits, such as vision, dental, and/or hearing coverage.
Many Medicare Advantage plans will also include Medicare Part D prescription drug coverage. Therefore, the purchase of a separate, stand-alone Part D plan is not necessary. Medicare Part C plans are typically much more restrictive than Original Medicare.
For example, as many of these plans are set up like HMOs or PPOs, you are required to see only health care providers who are listed in the particular plan's network. You may also have to have a primary care doctor who acts as a "gatekeeper" before you can see specialist providers.
Your Medicare Options with Blue Cross and Blue Shield of TX
Making sure that you go with the best Medicare coverage can be somewhat overwhelming. Because of that, it is beneficial to work with a Medicare specialist that can guide you in terms of what coverage is available, as well as by providing you with quotes to compare from a wide variety of insurance carriers.
When you enroll in Medicare coverage through Bluewave Insurance, we will assist you throughout the application process, as well as long after the policy is in force. So, contact us today at (800) 208-4974 for any additional details that you need on Medicare insurance coverage.
BCBS Of Texas Medicare Supplement Review
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