Medicare Supplement Plans

Is a Medicare Supplement (Medigap) Plan Right for Me?

• You’re looking for help paying any medical expenses like deductibles, copays and coinsurance not covered by Original Medicare.
• You want the freedom to see any provider nationwide that accepts Medicare insurance.
• You’re willing to pay a higher premium with no or low out-of-pocket costs at the doctor.
• You already have prescription drug coverage or want to purchase it separately. There is a penalty for not enrolling in prescription coverage when first eligible.
• You want to see specialists without needing a referral from your primary care physician.
• You want guaranteed renewability—as long as you pay your premium you won’t lose your coverage.

Compare Medicare Supplement Plans

The chart below shows the different benefits covered by each specific plan. Scroll down to the Medicare Supplement Plan Details section for information specific to each one of CareFirst BlueCross BlueShield’s plans.

#% = The plan only covers this percentage of this benefit
N/A = Not applicable to this plan

¹ Plans F and G also have a high deductible option which require first paying a plan deductible of $2,700 before the plan begins to pay. Once the plan deductible is met, the plan pays 100% of covered services for the rest of the calendar year. High Plan G does not cover the Medicare Part B deductible. However, Plans High F and High G count your payment of the Medicare Part B deductible toward meeting the plan deductible.

² Plan N pays 100% of covered services for the rest of the calendar year once you meet the out of pocket yearly limit.

³ Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and a copayment of up to $50 for emergency room visits that do not result in an inpatient admission.

⁴ For Plan L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($226 in 2023), the Medigap plan pays 100% of covered services for the rest of the calendar year.