Medicare Supplement Plans

With Blue Shield Medicare Supplement plans, you have the flexibility to see any doctor that accepts Medicare and can enjoy up to $3,000 in extra benefits.¹ Call today to learn more (800) 260-9607.

Why choose a Medicare Supplement plan?

Medicare Supplement plan (also known as Medigap) can help cover the healthcare costs not covered by Original Medicare, including some copayments, coinsurance, and deductibles. Medicare Supplement plans also provide the flexibility to choose any doctor that accepts Medicare and can include added benefits to complement your coverage.  

Blue Shield Medicare Supplement plans

With our plans, you can see any doctor that accepts Medicare. Choose from five plan options.

Plan A Plan N Plan G Plan G Extra Plan F Extra2

Medicare Part A coinsurance and hospitalization

Medicare Part B coinsurance or copayment


Blood (first 3 pints)

Part A hospice care coinsurance or copayment

Medicare Part A deductible


Skilled nursing facility care


Medicare Part B excess charges


Medicare Part B deductible


NurseHelp 24/7SM

Wellness and fitness programs

Acupuncture and chiropractic services3


Vision benefits4


Hearing aid benefits


Doctors on-call 24/7 by phone or video


Quarterly allowance for Over-the-Counter items5


Personal Emergency Response System



Explore Medicare plans in your area

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Medicare Supplement plan vs. Medicare Advantage Plan

Medicare Advantage Plans combine the benefits of Original Medicare with other benefits, like prescription drug coverage. Medicare Advantage Plans may have more restricted provider networks, depending on the plan. A person with this type of plan may pay a premium, copayments, and a deductible.

Medicare Supplement plans are accepted by any medical provider that accepts Medicare, and help cover coinsurance, copayment, and deductible expenses. Though Medicare Supplement plans don’t include prescription drug coverage, you can complement your coverage with one a standalone prescription drug plan.

Prescription Drug Plans

Medicare Supplement plans do not cover prescription drugs. However, you do have options available with Prescription Drug plans.

Medicare Dental Plans

Medicare Supplement plans do not cover dental benefits. Complete your Blue Shield Medicare Supplement plan with one of our dental plans.

Medicare Vision Benefits

Plan G Extra and Plan F Extra2 include vision coverage for costs that are not traditionally covered by Original Medicare, such as: eye exam, frames, eyeglass lenses, or contact lenses.

Medicare Supplement savings program

Along with rates that are designed to be affordable, with a Blue Shield Medicare Supplement plan, you also have a number of opportunities to save on your monthly plan dues through our savings program.7

  • Welcome to Medicare rate savings: New to Medicare Part B? Save $300 your first year ($25 a month for 12 months) through our Welcome to Medicare Rate Savings Program.7, 8
  • Household savings: Save 7% off your combined individual plan rates when you and another member of your household enroll in the same plan type through our Household Savings Program.7, 11
  • AutoPay savings: Save $3 a month for the convenience of AutoPay – and have your monthly dues automatically deducted from your checking or savings account – so you never miss a payment.7
  • Dental savings: Save $3 a month for the first six months on your dental rates when you enroll in one of our dental plans at the same time you enroll in your Blue Shield Medicare Supplement plan.7

Guaranteed acceptance criteria

Certain situations qualify you for guaranteed acceptance in a Blue Shield Medicare Supplement plan. Read our Guaranteed Acceptance guide to determine if you qualify.

Guaranteed Acceptance guide (English, PDF, 224 KB)
Guaranteed Acceptance guide (Spanish, PDF, 222 KB)
Guaranteed Acceptance guide (Chinese, PDF, 315 KB)
Guaranteed Acceptance guide (Vietnamese, PDF, 326 KB) 

Already have a Medicare Supplement plan?

Switching to a Blue Shield plan can be simple. You can transfer to an open plan of equal or lesser value during your Open Enrollment Period, starting on the first day of your birthday month and ending 60 days after your birthday, without going through underwriting. (That means no medical exam is required.)

You can also transfer to a Medicare Supplement plan with richer benefits if you like. However, you may have to complete a new application and go through underwriting to do so. We accept transfer applications as early as 60 days prior to your birthday month.

Note: Extra/Innovative plans are considered “equal to” the baseline plan of that type. Subscribers currently enrolled in Medicare Supplement Plan F can transfer to Plan F Extra2, and members currently enrolled in Plan G can transfer to Plan G Extra during their annual Open Enrollment Period without underwriting. (That means no medical exam is required.)

Get more information

Connect with us

Get answers to your Medicare questions. Call a Blue Shield Medicare adviser at 800-260-9607 (TTY: 711) or book an appointment online.

Book an appointment

Join a Medicare event

Attend a free live or online seminar to learn more about Medicare and get your questions answered. 

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Ready to enroll?

Enrolling online is easy! Simply explore plans in your area to find the plan that fits your needs and budget.

Enroll now

1 Blue Shield of California actuarial estimate of extra benefits assuming maximum coverage over the course of 12 months for Blue Shield Medicare Supplement Plan G Extra. 

2 Plan F Extra is only available to applicants who turned 65 before January 1, 2020, or first became eligible for Medicare benefits due to disability before January 1, 2020.

3 Non-Medicare covered acupuncture and chiropractic benefits. $0 copay for a maximum 20 combined visits per year.

4 Vision benefits include coverage for costs that are not traditionally covered by Original Medicare, such as, eye exam, frames, eyeglass lenses or contact lenses.

5 Two-time use per quarter allowance for eligible items. The unused allowance cannot be rolled over into the next quarter. Limitations may apply. See the over-the-counter (OTC) items catalog for details.

6 Plan N pays 100% of the Part B coinsurance, except for a co-payment of up to $20 for some office visits and up to a $50 co-payment for emergency room visits that do not result in an inpatient admission.

7 Savings due to increased efficiencies from administering Medicare Supplement plans under this program/service are passed on to the member.

8 Welcome to Medicare Rate Savings do not apply to Plan N.

Household Savings Program does not apply to tobacco users.

NurseHelp 24/7 is a service mark of Blue Shield of California.


Page last updated 4/1/2024

*Free copy with no obligation to enroll.

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California Physician’s Service DBA Blue Shield of California is an independent member of the Blue Shield Association.

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For Blue Shield Medicare Advantage Plans: Blue Shield of California is an HMO, HMO D-SNP, PPO and a PDP plan with a Medicare contract and a contract with the California State Medicaid Program. Enrollment in Blue Shield of California depends on contract renewal.

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