BCBSIL Medicare Supplement Plans for 2027

2027 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.

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 Rates Effective April 1, 2026: Metro Counties

Plan N Rates Effective April 1, 2026: State North (Northern IL outside metro, ZIPs 60111-61799)

Plan N Rates Effective April 1, 2026: State South (ZIPs 61801-62999)

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.

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.

BCBSIL Secure Plans: Lower Rates If You Qualify

The rate tables above are BCBSIL’s standard plans, which BCBSIL calls guaranteed issue: you cannot be turned down because of your health. BCBSIL also sells Secure versions of Plans A, F, G, G Plus, N and N Plus, plus Plan G Secure Select. Secure plans have exactly the same benefits as the standard plans but cost less.

Plan G Secure Rates Effective April 1, 2026 (Non-Tobacco)

Plan N Secure Rates Effective April 1, 2026 (Non-Tobacco)

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.

What a Plus Plan Costs

In BCBSIL’s rate tables effective April 1, 2026 (all three Illinois rating areas, standard and Secure plans), the Plus version of a plan costs $23.29 more per month than the same plan without Plus. The difference is the same at every age, for men and women, and for tobacco and non-tobacco rates. That works out to about $279 a year for the added dental, vision, hearing and fitness benefits. Rates are subject to change.

Plus Plan or Blue Dental Plus?

The Plus dental benefit is built for routine care: cleanings, exams, X-rays, extractions and fillings. It does not cover root canals, crowns, bridges or dentures. If you want coverage for that kind of work, look at a separate Blue Dental Plus policy, which you can buy with or without a Plus plan.

BCBSIL Medicare Supplement Discounts

• Household discount (10%): you live with a spouse or civil union/domestic partner, or have lived with up to three adults age 60 or older for the last 12 months. For policies effective May 1, 2019 or later.
• Continue with Blue discount (7%): you were enrolled in a Blue Cross and Blue Shield individual or group health plan within one year before your BCBSIL Medicare Supplement policy takes effect. For policies effective April 1, 2022 or later.
• Blue Family discount (12%): you qualify for both of the discounts above. For policies effective April 1, 2024 or later.

Only one discount applies per member. You request it on the enrollment application, and it stays in effect as long as you keep your BCBSIL Medicare Supplement plan.

For your exact Plus plan rate, use the online quote tool or call 312.800.0751.

Blue Dental Plus: Dental Coverage for Medicare Members

Medicare Supplement plans, including Plan G and Plan N, do not cover routine dental care. BCBSIL sells two stand-alone dental plans for people on Medicare: Blue Dental Plus Standard and Blue Dental Plus Premier. You do not need a BCBSIL Medicare Supplement plan to buy one, but if you have one you get 5% off the dental premium.

Percentages are the share the plan pays of BCBSIL’s maximum allowance. You can see any dentist, but a dentist outside the BCBSIL network can bill you for charges above that allowance. Source: BCBSIL Blue Dental Plus Outlines of Coverage, effective January 2027.

Which Dental Plan Fits?

• Standard keeps the premium low if you mainly need checkups and cleanings.
• Premier pays exams, cleanings and X-rays in full, pays more toward fillings, and doubles the annual maximum to $2,000.
• Both plans have a 12-month wait for crowns, bridges and dentures, so enroll before you expect to need that work.
• A Plus Medicare Supplement plan already includes basic dental. Blue Dental Plus adds the root canals, oral surgery and major work that Plus plans do not cover.

To apply, open the BCBSIL enrollment site and choose Blue Dental Plus, or call 312.800.0751. We can also check whether your dentist is in the BCBSIL dental network.

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 still accepts applications for its standard plans without health questions, at the rates shown in the tables above. Its lower-cost Secure plans require medical underwriting unless you have a guaranteed issue right, for example when your existing coverage ends: apply within 63 days of losing coverage.

Step-by-Step: What to Expect at Enrollment