BCBSIL Medicare Supplement Plans for 2026
Real Blue Cross Blue Shield of Illinois rates for Plans G, N, HD-G, F, K, L & A. See your actual monthly premium in seconds — no contact info required.
Get Your 2026 BCBSIL Rate
Rates pulled from the official 2026 BCBSIL Outline of Coverage. No estimates — these are the actual published premiums.
2026 BCBSIL Medigap At a Glance
For 2026, the Medicare Part A deductible is $1,736 and the Part B deductible is $283. The high-deductible Plan G annual deductible is $2,950. BCBSIL offers seven standardized Medigap plans in Illinois plus Med-Select and “Plus” variants with dental, vision, hearing, and fitness benefits.
| Carrier | Blue Cross and Blue Shield of Illinois (a Division of Health Care Service Corporation) |
| Plans Available | Plan A, Plan F*, High Deductible Plan F*, Plan G, Plan G Plus, HD Plan G, HD Plan G Plus, Plan K, Plan L, Plan N, Plan N Plus (+ Med-Select options for F, G, K, L, N) |
| Network | None — see any U.S. doctor or hospital that accepts Medicare assignment |
| Rate Areas in Illinois | Metro (Rating Area 1): Cook, DuPage, Kane, Lake, McHenry, Will counties State North (Rating Area 2): Northern Illinois outside metro (ZIPs 60111–61799) State South (Rating Area 3): Southern Illinois (ZIPs 61801–62999) |
| Rating Method | Attained-age. Plan G and Plan F are gender/tobacco rated. Plan N Standard is age-rated only. Plan A is community-rated. |
| Tobacco Definition | Used tobacco products 4+ times per week on average within the last 6 months (cigarettes, cigars, smokeless, vaping, e-cigarettes) |
| Customer Service | 312.800.0751 (Illinois Health Agents) · BCBSIL Member Services for enrolled members |
| Apply Online | apply |
BCBSIL Plan G
Plan G is BCBSIL’s most popular Medicare Supplement plan for new enrollees. It covers every Medicare gap except the annual Part B deductible ($283 in 2026), giving you predictable, near-zero out-of-pocket costs for the rest of the year once you’ve paid that deductible.
What Plan G Covers (after the $283 Part B deductible)
- Part A hospital deductible ($1,736 in 2026) — 100% paid
- Part A coinsurance + 365 extra hospital days lifetime
- Part B coinsurance (the 20% Medicare doesn’t pay) — 100% paid
- Part B excess charges — 100% paid (doctors who don’t accept Medicare assignment)
- Skilled nursing facility coinsurance — up to $217.00/day for days 21–100
- First 3 pints of blood each year — 100% paid
- Part A hospice care coinsurance — 100% paid
- Foreign travel emergency — 80% after $250 deductible, up to $50,000 lifetime
Plan G does NOT cover: The $283 Medicare Part B deductible (you pay this once per year).
Age 65, Female, Non-Tobacco, Metro area
Age 65, Male, Non-Tobacco, Metro: $222.99/mo
Age 65, Female, Non-Tobacco, State North: $184.18/mo
Age 65, Female, Non-Tobacco, State South: $191.54/mo
2026 Plan G Rate Table — Metro Counties (Cook, DuPage, Kane, Lake, McHenry, Will)
| Age | Female Non-Tobacco | Female Tobacco | Male Non-Tobacco | Male Tobacco |
|---|
2026 Plan G Rate Table — State North (Northern IL outside metro, ZIPs 60111–61799)
| Age | Female Non-Tobacco | Female Tobacco | Male Non-Tobacco | Male Tobacco |
|---|
2026 Plan G Rate Table — State South (ZIPs 61801–62999)
| Age | Female Non-Tobacco | Female Tobacco | Male Non-Tobacco | Male Tobacco |
|---|
BCBSIL Plan N
Plan N offers lower monthly premiums than Plan G in exchange for small copays when you receive care. It’s a good fit for Illinois residents who are generally healthy, want to keep premiums down, and don’t mind modest cost-sharing.
Plan N Copays & What It Doesn’t Cover
- $20 copay for each office visit (up to the Part B coinsurance amount)
- $50 copay for ER visits that do not result in inpatient admission (waived if admitted)
- Part B deductible NOT covered — you pay the $283 Part B deductible each year
- Part B excess charges NOT covered — if your doctor doesn’t accept Medicare assignment, you’re responsible for the difference
Plan N covers everything else Plan G covers: Part A deductible, Part A coinsurance, Part B coinsurance (minus copays), skilled nursing coinsurance, blood, hospice, and foreign travel emergency.
Age 65, Female, Non-Tobacco, Metro area
Age 65, Male, Non-Tobacco, Metro: $151.75/mo
Age 65, Female, Non-Tobacco, State North: $135.00/mo
Age 65, Female, Non-Tobacco, State South: $140.40/mo
2026 Plan N Rate Table — Metro Counties
| Age | Female Non-Tobacco | Female Tobacco | Male Non-Tobacco | Male Tobacco |
|---|
2026 Plan N Rate Table — State North (Northern IL outside metro, ZIPs 60111–61799)
| Age | Female Non-Tobacco | Female Tobacco | Male Non-Tobacco | Male Tobacco |
|---|
2026 Plan N Rate Table — State South (ZIPs 61801–62999)
| Age | Female Non-Tobacco | Female Tobacco | Male Non-Tobacco | Male Tobacco |
|---|
BCBSIL High Deductible Plan G
High Deductible Plan G has the same benefits as standard Plan G — but you pay a $2,950 annual deductible in 2026 before the plan starts paying. Once you hit that deductible, Medigap covers 100% of Medicare gaps for the rest of the calendar year. The Part B deductible counts toward meeting it.
When HD Plan G Makes Sense
- You’re healthy and rarely use significant medical care
- You want catastrophic protection — full coverage after $2,950 — at the lowest possible premium
- You’re comfortable paying up to $2,950 out-of-pocket in a heavy-use year
- Available to new Medicare enrollees (unlike HD Plan F, there’s no eligibility cutoff)
HD Plan G is also available as HD Plan G Plus, which adds dental, vision, hearing, and SilverSneakers fitness benefits.
Get an HD Plan G quote → or call 312.800.0751
BCBSIL Plan F — Grandfathered Only
Plan F is the most comprehensive Medigap option — it covers every Medicare gap, including the Part B deductible. Because of MACRA, Plan F is closed to anyone who became Medicare-eligible on or after January 1, 2020.
Plan F Eligibility Check
You can enroll in Plan F only if any of these apply:
- You turned 65 before January 1, 2020
- You qualified for Medicare due to disability before January 1, 2020
- You already have a Plan F policy and want to switch carriers
If none apply, Plan G is your closest equivalent — covers everything Plan F does except the $283 Part B deductible.
High Deductible Plan F is also available for grandfathered enrollees — same full coverage after a $2,950 calendar-year deductible, at a much lower monthly premium.
SHOW THE SAVINGS: PLAN F vs PLAN G
Plan F and Plan G pay for exactly the same things, with one single exception: Plan F pays your Medicare Part B deductible and Plan G does not. For 2026 that deductible is $283. The Part A deductible, all of the coinsurance, skilled nursing care, Part B excess charges and foreign travel emergency coverage are identical on both plans.
So the entire decision comes down to one question:
Does Plan F cost more than $283 per year more than Plan G?
Yes: Plan G is the cheaper plan.
No: Plan F is the cheaper plan.
Worked example (2026)
The premiums below are round sample numbers to show the math, not BCBSIL rates. See the BCBSIL rates above for actual 2026 pricing, or call 312.800.0751 for your personal rate.
| Your annual cost | Plan F | Plan G |
|---|---|---|
| Step 1. Annual premium (sample: $200 vs $165 a month) | $2,400 | $1,980 |
| Step 2. Part B deductible you pay yourself | $0 (Plan F pays it) |
$283 |
| Step 3. Total worst case cost for the year | $2,400 | $2,263 |
| Annual savings with Plan G | - | $137 |
How to read it: Plan F costs $420 more per year in premium ($2,400 minus $1,980), but the only extra thing it buys you is the $283 deductible. You would be paying $420 to avoid $283 of cost, so Plan G finishes $137 ahead. And that is the worst case, in a year where you actually use the whole deductible. In a year you never meet it, Plan G is ahead by the full $420.
Break-even point: with a $1,980 Plan G premium, Plan F only wins if it is priced at $2,263 a year or less. Anything above that and Plan G is the better buy.
Important: Plan F is only available if you were eligible for Medicare before January 1, 2020. If you turned 65 after that date, Plan G is the most comprehensive Medicare Supplement you can buy.
BCBSIL Plans K & L — Cost-Sharing Plans
Plans K and L use cost-sharing for covered services, letting you save on premiums while retaining an annual out-of-pocket cap. Once you reach your annual limit, the plan pays 100% of covered expenses for the rest of the calendar year.
Plan K
- 50% of Part A coinsurance & hospital costs
- 50% of skilled nursing facility coinsurance
- 50% of Part A deductible
- 50% of Part B coinsurance (no copay structure)
- 50% of first 3 pints of blood
- 50% of hospice coinsurance
- Annual out-of-pocket limit: $8,000 (2026)
- Does NOT cover: Part B deductible, Part B excess, foreign travel emergency
Plan L
- 75% of Part A coinsurance & hospital costs
- 75% of skilled nursing facility coinsurance
- 75% of Part A deductible
- 75% of Part B coinsurance
- 75% of first 3 pints of blood
- 75% of hospice coinsurance
- Annual out-of-pocket limit: $4,000 (2026)
- Does NOT cover: Part B deductible, Part B excess, foreign travel emergency
Plans K and L are available as Med-Select options. For current K & L rates, call 312.800.0751 or get a free quote.
BCBSIL Plan A
Plan A is the most basic standardized Medigap plan. It covers Medicare’s core benefits only and does not cover the Part A hospital deductible, skilled nursing coinsurance, Part B excess charges, or foreign travel emergency.
What Makes Plan A Different at BCBSIL
- Community-rated — no gender or tobacco surcharge, everyone pays the same age-based rate
- Covers: Part A hospital coinsurance + 365 extra days, Part B coinsurance, first 3 pints of blood, hospice coinsurance
- Does NOT cover: Part A deductible ($1,736), skilled nursing coinsurance, Part B deductible, Part B excess charges, foreign travel emergency
Side-by-Side Plan Comparison
| Benefit | Plan A | Plan N | Plan G | HD Plan G | Plan K | Plan L | Plan F* |
|---|---|---|---|---|---|---|---|
| Your Out-of-Pocket Exposure | |||||||
| Calendar-year deductible | $0 | $0 | $0 | $2,950 | $0 | $0 | $0 |
| Annual out-of-pocket cap | None | None | None | $2,950 | $8,000 | $4,000 | None |
| Part B deductible ($283) | You pay | You pay | You pay | Counts toward ded. | You pay | You pay | Covered ✓ |
| Office visit copay | $0 | $20/visit | $0 | After ded., $0 | 50% coins. | 75% coins. | $0 |
| ER copay (no admission) | $0 | $50/visit | $0 | After ded., $0 | 50% coins. | 75% coins. | $0 |
| Medicare Gaps Covered | |||||||
| Part A hospital deductible ($1,736) | ✓ | ✓ | ✓ | After ded. | 50% | 75% | ✓ |
| Part A coinsurance + 365 extra days | ✓ | ✓ | ✓ | After ded. | 50% | 75% | ✓ |
| Part B coinsurance (20%) | ✓ | ✓ minus copays | ✓ | After ded. | 50% | 75% | ✓ |
| Part B excess charges | ✗ | ✗ | ✓ | After ded. | ✗ | ✗ | ✓ |
| Skilled nursing coinsurance | ✗ | ✓ | ✓ | After ded. | 50% | 75% | ✓ |
| First 3 pints of blood | ✓ | ✓ | ✓ | After ded. | 50% | 75% | ✓ |
| Hospice coinsurance | ✓ | ✓ | ✓ | After ded. | 50% | 75% | ✓ |
| Foreign travel emergency | ✗ | 80% / $50K | 80% / $50K | 80% / $50K | ✗ | ✗ | 80% / $50K |
| Rating & Eligibility | |||||||
| Gender/tobacco rated? | No | No (Standard) | Yes | Yes | N/A | N/A | Yes |
| Available after 1/1/2020? | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✗ Grandfathered only |
*Plan F and High Deductible Plan F only available to those Medicare-eligible before January 1, 2020.
Plan G Plus & Plan N Plus — Extra Benefits
BCBSIL’s “Plus” versions of Plan G and Plan N include the same Medicare Supplement coverage as their standard counterparts, plus additional dental, vision, hearing, and fitness benefits through Silver Sneakers.
| Benefit | Description | Member Pays (In-Network) | Member Pays (Out-of-Network) |
|---|---|---|---|
| Dental | Cleanings & oral exams (2x/yr), X-rays (1x/yr), oral cancer screening (1x/yr), extractions (unlimited), restorative fillings (1x/tooth/yr) | 0% preventive; 25% extractions; 50% restorative | 50% all services |
| Vision | Routine eye exam with dilation (1x per 12 months); eyeglasses or contacts | $0 exam; remaining balance after $130 allowance for glasses/contacts | $40 exam; remaining after $65 reimbursement |
| Hearing | Routine hearing exam (1x per 12 months); advanced hearing aids; premium hearing aids | $0 exam; $699/aid (advanced); $999/aid (premium) | — |
| Fitness | SilverSneakers program — access to thousands of gyms and fitness locations nationwide | $0 included in plan | — |
For Plus plan rates, use the online quote tool or call 312.800.0751.
BCBSIL Medicare Med-Select Option
BCBSIL offers a Med-Select (reduced premium) option for Plans F, G, K, L, and N. You receive identical benefits as the standard plan, but agree to use a BCBSIL Medicare Select participating hospital for non-emergency elective admissions. In exchange, your monthly premium is meaningfully lower.
Key Med-Select Facts
- You must live within 30 miles of a Med-Select participating hospital to qualify
- Emergency care at any hospital is fully covered — Med-Select only applies to planned (non-emergency) admissions
- You can still see any doctor or specialist — Med-Select only restricts which hospital for elective inpatient stays
- If you use a non-participating hospital for a non-emergency admission, you pay the $1,736 Part A deductible
- Med-Select is NOT an HMO — co referrals required, full freedom to choose physicians
How to Enroll & When
Medigap Open Enrollment Period — Your Best Window
The 6 months starting the month your Medicare Part B becomes effective (and you’re 65+) is your Medigap Open Enrollment Period. During this window, BCBSIL:
- Cannot deny coverage based on health status
- Cannot charge higher premiums for pre-existing conditions
- Must offer any Medigap plan they sell in Illinois
Outside the Open Enrollment Period
After the 6-month window, BCBSIL can medically underwrite and may decline applications or charge higher rates. You may still have Guaranteed-Issue rights if your existing coverage ends — apply within 63 days of losing coverage.
Step-by-Step: What to Expect at Enrollment
Choose Your Plan
Compare Plan G, N, HD-G, K, L, and F (if grandfathered). Use the rate tool above or call 312.800.0751 for a side-by-side comparison.
Choose Your Option (Standard, Plus, or Med-Select)
Decide if the Plus benefits (dental/vision/hearing/fitness) are worth the premium difference, and whether a Med-Select plan makes sense for your location.
Apply Online or Through a Licensed Agent
Apply at apply.bcbsil.com or through Illinois Health Agents (our agent link pre-fills for you). Effective dates must be the 1st through the 28th of the month.
No Payment at Application
Send no money with your application. First premium is due after BCBSIL reviews and issues your policy.
30-Day Free Look
You have 30 days after receiving your policy to return it for a full refund if you change your mind.
Add a Part D Plan Separately
Medigap never includes Part D drug coverage. You’ll need a separate Part D Prescription Drug Plan — we can help you compare Illinois Part D options too.
Frequently Asked Questions
Ready to Enroll or Have Questions?
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