Are you considering enrolling in Blue Cross Blue Shield Supplemental Insurance? With so many options out there, it can be overwhelming to choose the right plan. That’s why we’ve compiled reviews from real customers who have experienced firsthand the benefits of BCBS supplemental insurance.
From coverage for unexpected medical expenses to added protection during retirement, read on to learn more about what BCBS has to offer and why it may just be the perfect fit for you!
What is Blue Cross Blue Shield?
Blue Cross Blue Shield is a supplemental insurance provider that offers a variety of plans to provide coverage for medical expenses not covered by your primary insurance. The company has been in business for over 75 years and is one of the largest supplemental insurers in the United States. Blue Cross Blue Shield plans are available in all 50 states, as well as Puerto Rico and the Virgin Islands.
What Does Blue Cross Blue Shield Cover?
-Inpatient and outpatient care
-Preventative services
-Mental health and substance abuse services
-Prescription drugs
-Rehabilitative services and devices
-Home health care
-Hospice care
– Durable medical equipment
How Much Does Blue Cross Blue Shield Cost?
The cost of Blue Cross Blue Shield supplemental insurance will vary depending on the state in which you live, as well as the specific plan that you choose. However, in general, plans start at around $50 per month.
Pros and Cons of Blue Cross Blue Shield
There are a few different types of Blue Cross Blue Shield (BCBS) supplemental insurance policies available, so it’s important to know the pros and cons of each before making a decision.
One of the most popular BCBS supplemental insurance policies is the High Deductible Health Plan (HDHP). The HDHP has lower monthly premiums than traditional health insurance plans, but it also has a high deductible. This means that you will have to pay more out-of-pocket expenses if you need to use your health insurance.
Another popular BCBS supplemental insurance policy is the Preferred Provider Organization (PPO). PPO plans have higher monthly premiums than HDHPs, but they also have lower deductibles. This means that you will pay less out-of-pocket if you need to use your health insurance. PPOs also offer more flexibility when it comes to choosing your doctors and hospitals.
Lastly, there is the Health Maintenance Organization (HMO) plan. HMOs have the lowest monthly premiums of all the BCBS supplemental insurance options, but they also have the highest deductibles. This means that you will pay more out-of-pocket if you need to use your health insurance. HMOs also tend to be more restrictive than PPOs when it comes to choosing your doctors and hospitals.
Conclusion
Overall, Blue Cross Blue Shield supplemental insurance reviews are positive and customers appreciate the coverage they get for a reasonable price. The customer service is also highly rated and helpful when it comes to sorting out any issues that may arise with their plans.
With its wide range of plans, there is an option for everyone who wants additional coverage beyond what their regular health insurance plan offers. Whether you’re looking for short-term or long-term coverage, or want to supplement your Medicare benefits, Blue Cross Blue Shield supplemental insurance can help make sure you stay covered in times of need.