Thank you for being our valued member! We are here to help make your transition to Medicare simple and seamless. It’s easy to do when you stay with a name you already know and trust.

The Benefit of Blue

There’s a Blue Cross Medicare OptionsSM plan
that’s right for you

IMPORTANT: Check with your employer or benefit administrator to find out if you have a Retiree Group Medicare plan option. These plans may offer richer benefits and cost you less than other Medicare plans. If you do not have a retiree group option, read on.
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Medicare Advantage Plans

As a member, you know you can expect a high level of service and coverage from Blue Cross and Blue Shield of Illinois. Our affordable all-in-one Medicare Advantage plans are no different. No matter which you choose, you’ll get all the coverage of Original Medicare, plus extra health and wellness benefits, and prescription drug coverage.

Blue Cross Medicare Advantage (HMO) SM Plans – our most affordable option

  • Usually have low or $0 monthly premiums
  • Your care is handled by one primary care provider (PCP) that you select
  • Offer extra health and wellness benefits such as vision, dental, hearing, fitness and more
  • May be required to get a referral from your primary care physician prior to visiting a specialist
  • Include drug coverage

Blue Cross Medicare Advantage (HMO-POS)SM Plans – flexibility when you want it

  • Have $0 monthly premium options
  • May have flexibility to see doctors outside of the plan network
  • With a Point-of-Service (POS) plan, a primary care provider (PCP) should be selected and referrals may be required for visiting a specialist
  • Offer extra health and wellness benefits such as vision, dental, hearing, fitness and more
  • Include drug coverage

Blue Cross Medicare Advantage (PPO) SM Plans – coverage with more flexibility

  • Offer a suite of PPO options
  • Keep your costs lower when you use in-network providers
  • Provide the freedom to see doctors, hospitals and providers outside of the plan's network, no referrals needed, but you may pay higher copays and coinsurance
  • Offer extra health and wellness benefits such as vision, dental, hearing, fitness and more
  • Options include an open-access plan allowing the flexibility to see doctors, hospitals, and providers inside or outside of the plan's network with no copays or coinsurance for medical services
  • Choose from options that may or may not include drug coverage
  • Plans may include a Part B Premium Reduction benefit. This benefit reduces the Medicare Part B premium that you pay the Social Security Administration either monthly or quarterly, depending on how you pay your Part B premium.
  • Medicare Advantage plans may offer a preloaded flexible spending card to help reduce your out-of-pocket expenses for covered dental, vision, and hearing services. It's the easy way to pay for healthcare without having to pay cash up-front

Make your decision easier with side-by-side plan comparisons & customized recommendations.

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Medicare Supplement Insurance Plans

Medicare Supplement Insurance Plans help offer protection from the out-of-pockets costs not covered by Original Medicare.

With Original Medicare, your copays, deductibles and other out-of-pocket costs can really add up. Our Medicare Supplement Insurance plans can help fill the gaps that Original Medicare does not cover, while giving you the freedom to see any doctor and use any hospital that accepts Medicare, nationwide.

Extra Health and Wellness Benefits*

Blue Medicare SupplementSM Insurance plans offer benefits above and beyond standard insurance benefits. Here are some of the extra health and wellness programs that may be offered with our plans.

  • Dental, vision and hearing coverage
  • Access to 24/7 Nurseline
  • Telehealth if your provider offers it

    * Not all benefits are available on all Medicare Supplement Insurance Plans. Extra Health and Wellness Benefits are not a part of the policy, may be discontinued at any time and may be subject to geographic availability.

Explore our Premium Discounts

Blue Cross and Blue Shield of Illinois (BCBSIL) Medicare Supplement Insurance premium discounts may be available. If you are eligible for a discount, the discount will be applied to your next bill and remain in effect as long as you are enrolled in your BCBSIL Medicare Supplement Insurance plan. Discounts cannot be combined; only one type of discount per member is permitted.

Household Discount

You may be eligible for a discount if you and at least one or more other persons reside in the same household and are both enrolled in a BCBSIL Medicare Supplement Insurance policy effective on or after May 1, 2019.

Continue With Blue Discount

You may be eligible if you had commercial group or individual health insurance coverage with a Blue Cross and Blue Shield Plan issued in Illinois, Montana, New Mexico, Oklahoma or Texas and that coverage was within one year of your BCBSIL Medicare Supplement policy becoming effective.

Applies to BCBSIL Medicare Supplement policies issued with an effective date on or after April 1, 2022.

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Prescription Drug Coverage

Original Medicare and Medicare Supplement plans do not include prescription drug coverage. For this important coverage, Medicare works with insurance carriers to offer Part D, which is a standalone prescription drug plan.

Whether you have many prescriptions or just a few, Blue Cross and Blue Shield of Illinois offers Part D prescription drug plans that work for your budget. We have a variety of plans to fit different prescription drug needs, all with large nationwide pharmacy networks.

  • Large, nationwide pharmacy network
  • A variety of plans and formulary levels
  • Some plans with $0 annual deductible
IMPORTANT: If you are eligible for a Retiree Group Medicare plan, some of this information may not apply to you. Please ask your employer or benefit administrator about your Medicare options, eligibility and enrollment information.

Get Your Medicare Timeline

Answer a few simple questions and we’ll provide you with a personalized timeline. You’ll also receive reminders with important information and actions you can take to stay on track as you near your Medicare eligibility.

Create My Timeline →

Compare, Choose and Enroll

Get started with your member login. Verify your information and see personalized recommendations based on lowest cost and most comprehensive coverage. Compare your options, contact an agent and enroll, all in one easy-to-use tool.

Help Me

Questions? Let us help.

As our valued member, you have access to exclusive resources and assistance. We’re here to help you make a smooth transition to Medicare. Call us to learn more.

1-800-000-0000 (TTY 711)

We’re open between 8:00 a.m. – 8:00 p.m., local time, 7 days a week. If you’re calling from April 1 through September 30, alternate technologies (for example, voicemail) will be used on the weekends and holidays.


This Information is a solicitation for insurance.

*Not connected with or endorsed by the U.S. Government or Federal Medicare Program.

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