Blue Cross Blue Shield Medicare Advantage Plans

Blue Cross Blue Shield Medicare Advantage Plans are some of the best on the market today.  

They offer flexible design options, low premium rates, and have excellent customer service.  Best of all, these policies are designed to protect both your health and finances.  

Blue Cross Blue Shield Is a Popular Choice For Medicare Advantage Plans

BCBS is a massive company, yet they operate through smaller regional affiliate companies to provide a local touch to the communities they serve. Anthem, Regency, and Hallmark are a few of their well-known affiliated companies, all under the BCBS umbrella.

Although many insurance carriers sell Medicare Advantage, three dominant companies issue most policies. Blue Cross Blue Shield is one of them.

A recent reportshows market share of the three biggest Medicare Advantage Companies.

• Blue Cross Blue Shield (14%) 
• United Healthcare Medicare Advantage (25%)
• Humana Medicare Advantage (17%)

In total, these three carriers have 56% market share. This didn’t happen overnight. These three companies have a long track record of offering the most policy value combined with low premium rates.  Although there are many carriers to choose from, it’s likely that your best policy will come from one of these three. 

Blue Cross Blue Shield Medicare Advantage Options 

One reason Blue Cross Blue Shield Medicare Advantage is so popular is that they are one of few insurance carriers to offer all three policy types.

Quick Review

There are three types of Medicare Advantage Plans.  Each plan has its pros and cons. 

• Medicare HMO – Health Maintenance Organization
• Medicare PPO – Preferred Provider Organization
• Medicare FFS – Private Fee For Services

BCBS Medicare Advantage HMO

This policy requires you to designate a primary care doctor that will direct and coordinate your health care services. Blue Cross Blue Shield Medicare HMO plans reduce needless waste through this referral process and, therefore, can offer you lower premium rates. HMO’s are usually the lowest cost option. 

BCBS Medicare Advantage PPO

This policy allows you to schedule and receive any covered service from any provider as long as they accept Medicare patients and BCBS insurance. 

Services administered by in-network (preferred) providers have lower rates, yet you maintain the freedom of seeing out-of-network doctors. Blue Cross Blue Shield Medicare PPO plan does not require you to obtain a doctor’s referral to receive services. As a result, this type of policy is convenient for individuals who frequently use their Medicare benefits.  

BCBS Medicare Advantage Fee-for-Service plan

Healthy individuals who don’t expect many office visits in the upcoming year will benefit most from a Blue Cross Blue Shield Fee-for-service plan. Fee-for-Service plans allow you to see any doctor who accepts Medicare patients and agrees to BCBS terms of service. When you see a care provider, you pay a pre-set fixed price established inside your Medicare Advantage policy.

** Although BCBS operates in most states, the types of Medicare Advantage plans available vary by location.

How Much Do BCBS Medicare Advantage Plans Cost?

Blue Cross Blue Shield has some of the best rates for Medicare Advantage plans. However, your age, gender, state of residence, health history, and the added benefits contained inside your plan all contribute to the cost of your policy. Therefore, the only way to truly find out the cost of your policy is to request a personalized quote.

In our experience, BCBS is the most competitive for individuals with moderate to good health.  Individuals with severe chronic health conditions can often find lower premiums with other carriers. 

Get Help Customizing Your Medicare Benefits 

Our independent agency specializes in helping individuals customize their Medicare benefits through Medicare Advantage and Medicare Supplemental Insurance. We’ll help you shop and compare Medicare Advantage Plans from all the top-rated carriers nationwide.  As a result, you save both time and money on your coverage.

Individuals who shop For Medicare Advantage alone frequently overpay for their coverage. Don’t let this happen to you.  Our services are free. And there’s never any obligation when speaking with an agent. 

Explore your options today. Get started by filling out the form on your screen to see Blue Cross Blue Shield Medicare Advantage quotes and how they compare to top competitors.