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Medicare Supplement Insurance

This type of insurance supplements, or helps fill the gaps, in Original Medicare. Since Medicare wasn’t created to cover all health care expenses, you can purchase a Medicare Supplement plan in addition to Original Medicare.

How Medicare Supplement insurance works

When you have a Medicare Supplement insurance policy, it works hand-in-hand with Medicare. A Medicare Supplement plan will help cover the cost share not covered by Medicare and pays many of these costs for you.

Depending on the plan chosen, Medicare Supplement plans:

  • Provide first day coverage for inpatient, outpatient, and medical services (once the Medicare Part A or Part B deductible has been met).
  • Pay for many health care costs that Original Medicare requires you to pay (e.g. coinsurance, copayments, and deductibles).
  • Provide optional coverage available through a private insurer.

In addition, several Medicare supplement plans have a lower premium in exchange for out-of-pocket cost sharing on inpatient and medical services before the plan will pay benefits. The amount and type of cost share depends on the specific plan chosen.

If you choose a Medicare Supplement Select plan, you must use in-network hospitals to be covered for Part A or Part B services. Medicare Supplement Select plans do not restrict you from using any physician that accepts Medicare.

  • How do I qualify for a Medicare Supplement plan?
    • You must have Medicare Parts A and B.
    • You must be a Florida resident.
  • How do I use my plan?

    When you use providers who accept Medicare, you will not have to file your own claims. Just take your Red, White & Blue Medicare Card and your Medicare Supplement plan ID card to your physician or hospital and you will pay the appropriate copay or coinsurance for your plan. There are no claim forms to fill out, claims are submitted by your physician or hospital directly to Medicare, and then automatically crossed over to your Medicare Supplement plan. You will receive Medicare Summary Notices from Medicare and from your Medicare Supplement plan.

  • What is Automatic “Recurring” Payment Option and how do I sign up?

    An automatic “recurring” payment is an automatic withdrawal of your monthly premium payment from a checking or saving account (debit and credit cards are not accepted). If you are enrolled in a Medicare supplement plan, you can set up automatic payments by completing the Automatic Payment Option (APO) form and mailing it back to us.

    Click here to access an Automatic Payment Option (APO) form.

Save more with the Blue365® Member Discount Program

This exclusive Florida Blue member discount program1 helps you stretch your dollars with savings on health-related products and services that complement your health care choices.

Products and services include:

  • Hearing aid and care discounts
  • Discounts on frames, eyeglass lenses and contact lenses, as well as some discounts for routine exams
  • Laser vision correction service discounts (services include a discounted fee for traditional and custom LASIK)
  • Discounts on weight management support services

Florida Blue Medicare Supplement Insurance policies are not connected with or endorsed by the U.S. Government or the Federal Medicare Program. These policies have limitations and exclusions. The amount of benefits provided depends upon the plan selected and the premium may vary with the amount of benefits selected. Medical Underwriting will apply to all BlueMedicare Supplement and BlueMedicare Supplement Select products unless the applicant is eligible for guaranteed issue.

1Blue365® offers access to savings on items that members may purchase directly from independent vendors. Blue365 does not include items covered under your policies with Blue Cross and Blue Shield of Florida or any applicable federal or health care program. To find out what is covered under your policies, call Florida Blue. Blue Cross and Blue Shield Association (BCBSA) and local Blue Companies may receive payments from Blue365 vendors. Neither BCBSA nor any local Blue company recommends, endorses, warrants or guarantees any specific Blue365 vendor or item.

Florida Blue is a trade name of Blue Cross and Blue Shield of Florida, Inc., an Independent Licensee of the Blue Cross and Blue Shield Association.

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Generally, the pronouns "our," "we" and "us" used throughout this website are intended to refer collectively to Blue Cross and Blue Shield of Florida, Inc. and its subsidiaries and affiliates. However, where appropriate, the content may identify a particular company; there, any pronouns refer to that specific entity.

Health insurance is offered by Blue Cross and Blue Shield of Florida, Inc., DBA Florida Blue. HMO coverage is offered by Health Options Inc., DBA Florida Blue HMO, an HMO affiliate of Blue Cross and Blue Shield of Florida, Inc. Dental, Life and Disability are offered by Florida Combined Life Insurance Company, Inc., DBA Florida Combined Life, an affiliate of Blue Cross and Blue Shield of Florida, Inc. These companies are Independent Licensees of the Blue Cross and Blue Shield Association.

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