Blue Care Network of Michigan

What is Medigap coverage?

Medigap coverage, also called Medicare supplemental coverage, is a health plan that works in conjunction with Original Medicare to expand your Part A (hospital) and Part B (medical) benefits and lower your out-of-pocket costs. As your primary health coverage, Original Medicare provides comprehensive hospital and medical coverage, but it doesn’t cover all health care costs and has deductibles and coinsurance that must be paid before Medicare pays benefits. Medicare also limits coverage for certain services.

Medigap plans fill in the “gaps” in Original Medicare coverage. It expands or eliminates coverage limits and, depending on the plan you select, covers all or a portion of your Medicare deductibles and coinsurances.

Like Medicare, MyBlue Medigap coverage is accepted nationwide and the plan is easy to use. There are no provider networks or referrals: Just use any health care provider that accepts Medicare. Simply present your MyBlue Medigap ID card along with your red, white and blue Medicare health insurance card whenever you receive health care services. We’ll coordinate payment with Medicare and your health care providers. In most cases, you’ll never have to bother with claim filing or paperwork.

Am I eligible for coverage?

Anyone who has Medicare Part A and Part B, lives in Blue Care Network’s service area for at least six months of the year and has a Michigan driver’s license or State ID card is eligible to enroll in MyBlue Medigap. You become eligible for MyBlue Medigap coverage at age 65 or the date you first enroll for Medicare Part B, whichever is later. In all cases, BCN will not reject your application based on your health status or age.

What’s covered under the MyBlue Medigap plan?

Visit the Benefits page to learn more about what’s covered under each MyBlue Medigap plan option.

Do I also need prescription drug coverage?

You may also purchase Medicare Part D drug coverage with Blue Cross Blue Shield of Michigan’s Prescription Blue^SM PDP plan.

How much will my monthly premium be?

For MyBlue Medigap plans, certain factors may affect your monthly premium. We base your premium on the area you live in and your age, gender, height, weight, and whether you use tobacco. Learn more about monthly premiums and payment options.

How do I enroll in MyBlue Medigap?

Enrolling is easy. Find out how.

What if I want to change my coverage?

You may switch to a different Medigap policy once per year on the date you originally enrolled in MyBlue Medigap.

Because MyBlue Medigap expands Original Medicare benefits, you need only one Medigap plan. If you have other coverage, such as coverage through an employer-sponsored health plan or another Medigap plan, you should not cancel that coverage until you have actually received your new ID card and are sure you want to keep MyBlue Medigap coverage.

If you find that you are not satisfied with BCN MyBlue Medigap coverage, notify us by phone or write to us at:

Mail Code C411
Blue Care Network of Michigan
P.O. Box 5043
Southfield, MI 48086-5043

If you send your MyBlue Medigap ID card back to us within 30 days after you receive it, we will treat the coverage as if it had never been issued and return all of your payments, less the reasonable cost of any health services paid by BCN during that time. You will be responsible for any deductibles or coinsurance for Medicare Part A and Part B claims or any services not covered by Original Medicare incurred during that 30-day period.

MyBlue Medigap offers access to any hospital, doctor or other health care provider in the U.S. or its territories that accepts Medicare assignment. The plan does not require members to use a specified provider network. MyBlue Medigap is a Medigap plan administered by Blue Care Network. Certain factors may affect the monthly premium cost: geographic location of the applicant’s residence, age, gender, height, weight and whether the applicant uses tobacco. Neither Blue Care Network nor its agents are connected with Medicare.