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Blue Cross Medicare Options

You have a choice when it comes to your Medicare health coverage through Blue Cross and Blue Shield of Illinois. You can choose from our Medicare Advantage plans, Medicare prescription drug plans, and Medicare Supplement Insurance Plans.

Part vs. Plan

When you’re learning about Medicare, you may see a lot about "Parts" and "Plans." For instance, you may read about Part A or Plan A. The two are different, but they are easy to separate. Here’s what you need to remember:


Medicare is made up of parts.

Medicare parts cover specific benefits, like hospital or doctor visits, medications, and more. Most people have Part A and Part B. Some people may have Part C, a Medicare Advantage plan that combines Part A and Part B with additional benefits. Other people have Part D.

Learn more about the four parts of Medicare and how they work.


Medicare Supplement insurance is made up of plans.

Medicare Supplement Insurance Plans cover certain costs that Medicare parts do not cover. Different Medicare Supplement Insurance Plans cover different types of costs.

Learn more about Medicare Supplement Insurance Plans.

Medicare also has plans that are not identified by letters. These plans include Blue Cross MedicareRx and Blue Cross Medicare Advantage. Blue Cross MedicareRx offers Basic, Value and Choice plans. Blue Cross Medicare Advantage offers HMO and PPO plans.

Blue Cross Medicare Advantage Plans

Blue Cross Medicare Advantage plans offer all-in-one options that provide medical and prescription drug coverage.

Hospital, Medical, and Prescription Drug Coverage

Combine what's covered by Part A and Part B, with added benefits

They provide:

  • Medicare Part A (hospital insurance) coverage
  • Medicare Part B (medical insurance) coverage
  • Limits on your out-of-pocket costs

Most include:

  • Medicare Part D (prescription drug) coverage
  • Extra coverage, such as dental, hearing and/or vision services, and health and wellness programs

Learn more about Medicare Part C.

Blue Cross MedicareRx Plans

Blue Cross MedicareRx plans provide coverage for your outpatient prescription drug costs.

Prescription Drug Coverage

Help cover costs of prescription drugs with copays or coinsurance

Partially cover:

  • Prescription drugs

Learn more about Medicare Part D.

Blue Medicare Supplement Insurance Plans

Medicare Supplement Insurance Plans offer simple options that help you pay some costs not covered by Original Medicare.

Medical Supplement Insurance Plan

Help with costs that Medicare Part A and Part B do not cover

Help to pay for:

  • Coinsurance
  • Copayments
  • Deductibles

Important: If you enroll in a Blue Cross Medicare Advantage plan, you cannot also enroll in a Medicare Supplement Insurance Plan.

Help Me Choose a Plan

If you're not sure what plan you need, answer a few questions to help you decide.

Now that you’ve picked a plan, it’s time to enroll.

Useful Tools





Last Updated: Oct. 03, 2023