Blue Cross Blue Shield of Illinois Medicare Supplements

At Medequote we fell that BCBSIL-Blue Cross Blue Shield of Illinois have the best and most reliable package of senior health care programs in Illinois. The reputation of BCBSIl in this area speaks for itself. In fact Blue Cross and Blue Shield of Illinois has been providing outstanding health benefits to Illinois residents for over 65 years. Today, more than 300,000 members, age 65 and over, all across the state depend on BCBSIL for solid benefits, savings and a commitment to service.

Medicare is a federal program to help older Americans and some disabled Americans pay for the high cost of health care. However, Medicare was never intended to cover all your health care costs. So even if you’re covered by Medicare, you are still responsible for a large portion of your health care costs.

Medicare does not cover all health care costs. Medicare coverage consists of Part A (which covers hospital and skilled nursing facility care), and Part B (which covers doctor bills and other medical expenses).

Even with Medicare Part A and Part B coverage, you’re responsible for some out-of-pocket expenses including:

• Part A hospital deductible ($952)
• Copayments for hospital stays over 60 days
• Care in a skilled nursing facility after 20 days
• Part B deductible ($124)
• Twenty percent coinsurance for doctor bills and other medical expenses

Without Medicare Supplement insurance, your out-of-pocket costs could add up to more than $46,100 this year alone!

Private insurers offer Medicare Supplement insurance to fill in the gaps for hospital and medical expenses Medicare does not pay. By law, Medicare Supplement insurance is standardized into twelve plans (Plans A through L). That means Plan F from one company must include the same benefits as plan F from another company.

While the benefits must be the same, each company’s rates, reputation, membership features and quality of service can vary.

For more information concerning BCBSIL- Blue Cross Blue Shield of Illinois Medicare supplement plans visit www.medequote.com