|Plan Type||Est. Premium*|
|Medigap Plan A:||$129.00||(shop rates)|
|Medigap Plan C:||$174.00||(shop rates)|
|Medigap Plan F:||$186.00||(shop rates)|
|Medigap Plan N:||$147.00||(shop rates)|
|SELECT Plan B:||$109.00||(shop rates)|
|SELECT Plan C:||$151.00||(shop rates)|
|SELECT Plan F:||$167.00||(shop rates)|
|SELECT Plan N:||$129.00||(shop rates)|
*Premiums shown are samples for a 65 year old, non-smoking woman in Missouri. You must request a quote to get an exact premium for your situation.
Blue Cross Blue Shield of Kansas City is licensed in Missouri to sell BCBS of Kansas City Medigap Plans. This page outlines the Medicare Supplement insurance available from this carrier, as well as resources to get an accurate quote. A Medicare Supplement protects you from hospital and doctor bills, including deductibles, copayments and coinsurance, that Original Medicare does not pay. This insurance carrier has participated in the supplement insurance market for The carrier offers a range of standardized plans (see below). years and offers a range of plans for Missouri seniors (see plans offered below). BCBS of Kansas City received an rating from A.M. Best Company, the leading provider of credit ratings and financial data for the insurance industry.
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
Missouri seniors with Medicare benefits are eligible to apply for a Blue Cross Blue Shield of Kansas City Medigap Plan A policy. It's a Issue Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- Old Surety Medigap Plan A (Missouri)
- Globe Life Medigap Plan A (Missouri)
- UnitedHealthcare Medigap Plan A (Missouri)
With this Medicare SELECT Plan B policy you will be required to to use hospitals and, in most cases, doctors within the insurance company's network. Blue Cross Blue Shield of Kansas City offers this plan to Missouri seniors. Be sure to compare premiums:
Plan C covers every penny of what Medicare approves, up to the approved payment amount. In other words, there are only two instances in which Plan C will not cover what is left of your charges after Medicare pays its share. The first instance is when Medicare doesn’t approve the charge at all. The second is when your healthcare provider charges more than the Medicare approved amount. This is because Plan C does not cover Medicare Part B Excess Charges.
If you take care to avoid the Medicare Part B excess charges, this is an attractive policy, and Blue Cross Blue Shield of Kansas City offers it in Missouri. The monthly premium is calculated using the Issue Age cost method. Before you make a final decision, be sure to compare. Here are a few companies with good rates:
- Forethought Life Medigap Plan C (Missouri)
- Christian Fidelity Medigap Plan C (Missouri)
- Globe Life Medigap Plan C (Missouri)
Blue Cross Blue Shield of Kansas City offers the Medicare SELECT Plan C policy to Missouri seniors. This plan does requires the policyholder to use hospitals and, in some instances, doctors within the company's network in order to receive the full coverage benefits of the plan. Be sure that you compare premiums to make sure you're found the best rate:
Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.
There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.
The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.
Plan F is by far the most commonly purchased Medicare supplement in Missouri. Blue Cross Blue Shield of Kansas City offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in Missouri by comparing quotes from these insurance carriers:
- Old Surety Medigap Plan F (Missouri)
- Bankers Fidelity Medigap Plan F (Missouri)
- Mutual of Omaha Medigap Plan F (Missouri)
Medicare SELECT is a managed care supplement plan (like an HMO or PPO) for Medicare beneficiaries. If you purchase this plan, Blue Cross Blue Shield of Kansas City requires you to use the hospitals and, in some instances doctors, within the company's network. Other than that, this policy offers you the same great coverage as a standard Plan F. Compare the premium on this plan with these carriers to be sure you're getting the best price:
Offering benefits similar to Plan D, Plan N features a $20 co-payment for doctor visits and a $50 co-payment for emergency room visits. These co-pays are applied once the annual deductible is met. Most Plan N premiums are approximately 70% of a Plan F and 77% of Plan D premiums.
Plan N gives you all of the basic coverage benefits, plus it pays your Medicare Part A deductible. You pay the Part B deductible and the Part B excess charges. You are also responsible for a $20 co-pay when you visit the doctor and up to $50 for each emergency room visit. If saving money is your goal, this plan will help. Compare premiums with these carriers before you buy:
- United National Medigap Plan N (Missouri)
- Christian Fidelity Medigap Plan N (Missouri)
- Oxford Life Medigap Plan N (Missouri)
If you are familiar with healthcare from a preferred provider organization (PPO), that's basically what you get with this Medicare SELECT Plan N. You must use their network hospitals and doctors to receive the full insurance benefits. Compare with these plans:
You are eligible to apply for a BCBS of Kansas City Medicare Supplement if you are:
- A resident of Missouri,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
BCBS of Kansas City offers plans in Saint Louis, Kansas City, Springfield, Independence, Columbia, Lees Summit, O'Fallon, Saint Joseph, Saint Charles, Blue Springs, Saint Peters, Florissant, Joplin, Chesterfield and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on