Blue Cross Blue Shield (BCBS) of Texas is a statewide customer-owned health insurer in business for more than 90 years. The company’s headquartered in Richardson, TX, and they’re currently the largest health insurer in the state. They also boast regional offices, claims, and customer service facilities to handle their Texas clients’ needs.
Blue Cross Blue Shield of Texas offers eight different Medicare supplement plans for 2021. Let’s learn more about each one from a high-level perspective.
BCBS of Texas’s Medicare supplement Plan A is ideal if you’re looking for basic, bare-bones coverages.
| BCBS of Texas Supplement Plan A | |
| Basic benefits | Yes |
| Skilled nursing coinsurance | No |
| Routine eye exam | No |
| Part A deductible | No |
| Part B deductible | No |
| Part B excess charges | No |
| Foreign travel emergency care | No |
| Annual out-of-pocket limit | No |
| Reduced premium option available | No |
| Monthly premium** | $304.00 |
On the other hand, BCBS’s supplement Plan G is a much more comprehensive option if you’re looking to maximize your coverage. Keep in mind that you’ll still be responsible for your Part B deductible, although the plan picks up Part B excess charges.
| BCBS of Texas Supplement Plan G | |
| Basic benefits | Yes |
| Skilled nursing coinsurance | Yes |
| Routine eye exam | Yes |
| Part A deductible | Yes |
| Part B deductible | No |
| Part B excess charges | Yes |
| Foreign travel emergency care | 80% up to $50,000 lifetime max |
| Annual out-of-pocket limit | No |
| Reduced premium option available | Yes |
| Monthly premium** | $182.47 |
The high-deductible Plan G supplement provides all the same coverages as the standard version. Still, it comes with an annual $2,370 deductible that you must pay out of pocket before coverage kicks in.
| BCBS of Texas Supplement Plan G (High-Deductible) | |
| Basic benefits | Yes |
| Skilled nursing coinsurance | Yes |
| Routine eye exam | Yes |
| Part A deductible | Yes |
| Part B deductible | No |
| Part B excess charges | 80% up to $50,000 lifetime max |
| Foreign travel emergency care | Yes |
| Annual out-of-pocket limit | No |
| Reduced premium option available | No |
| Monthly premium** | $70.71 |
Comparatively, supplement Plan K offers reduced coverage for basic benefits, skilled nursing facility coverage, and your Part A deductible. You’ll also need to pay $6,220 out of pocket before coverage kicks in.
| BCBS of Texas Supplement Plan K | |
| Basic benefits | 100% / 50% |
| Skilled nursing coinsurance | 50% |
| Routine eye exam | Yes |
| Part A deductible | 50% |
| Part B deductible | No |
| Part B excess charges | Yes |
| Foreign travel emergency care | No |
| Annual out-of-pocket limit | $6,220 |
| Reduced premium option available | No |
| Monthly premium** | $117.70 |
Supplement Plan L covers slightly more than Plan K and has a lower annual out-of-pocket limit ($3,110).
| BCBS of Texas Supplement Plan L | |
| Basic benefits | 100% / 75% |
| Skilled nursing coinsurance | 75% |
| Routine eye exam | Yes |
| Part A deductible | 75% |
| Part B deductible | No |
| Part B excess charges | Yes |
| Foreign travel emergency care | No |
| Annual out-of-pocket limit | $3,110 |
| Reduced premium option available | No |
| Monthly premium** | $165.10 |
Plan N requires you to pay a copayment of up to $20 for office visits and up to $50 for ER visits.
| BCBS of Texas Supplement Plan N | |
| Basic benefits | Yes, less copay |
| Skilled nursing coinsurance | Yes |
| Routine eye exam | Yes |
| Part A deductible | Yes |
| Part B deductible | No |
| Part B excess charges | No |
| Foreign travel emergency care | 80% up to $50,000 lifetime max |
| Annual out-of-pocket limit | No |
| Reduced premium option available | Yes |
| Monthly premium** | $146.35 |
If you were newly eligible before January 1, 2020, Plan F provides broad coverage that might meet your needs.
| BCBS of Texas Supplement Plan F | |
| Basic benefits | Yes |
| Skilled nursing coinsurance | Yes |
| Routine eye exam | Yes |
| Part A deductible | Yes |
| Part B deductible | Yes |
| Part B excess charges | Yes |
| Foreign travel emergency care | 80% up to $50,000 lifetime max |
| Annual out-of-pocket limit | No |
| Reduced premium option available | Yes |
| Monthly premium** | $237.62 |
This plan offers all the same coverages as the standard supplement Plan F, less a $2,370 annual deductible.
| BCBS of Texas Supplement Plan F (High-Deductible) | |
| Basic benefits | Yes |
| Skilled nursing coinsurance | Yes |
| Routine eye exam | Yes |
| Part A deductible | Yes |
| Part B deductible | Yes |
| Part B excess charges | Yes |
| Foreign travel emergency care | 80% up to $50,000 lifetime max |
| Annual out-of-pocket limit | No |
| Reduced premium option available | Yes |
| Monthly premium** | $70.71 |
With so many options available, it can be challenging to choose between Medicare supplement carriers and plans. That’s why the team at IHS Insurance Group specializes in helping clients like you select the insurance company that best meets your needs and at a price you can afford.
Need a FREE Quote or have questions regarding Medicare or Medigap Coverage? We have three convenient ways to reach us:
Also, check out our Medicare FAQs here.
**We used zip code 77375, an effective date of 10/1/21, and based our rates on a 70-year male non-smoker.
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