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How do I plan for LegacySM Medigap changes?

Who is this for?

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If you're thinking about a Legacy Medigap plan, this helps you learn about how it's changing and other options you have available to you.

If you're currently enrolled in Plan A or Plan C, you can stay with your plan as long as you pay your premium. You may enroll in Plan C if you’ll no longer be insured because you’ve become eligible for Medicare, or if you’ve lost coverage under a group policy after becoming eligible for Medicare. You are also eligible if you had Plan C, then enrolled in a Medicare Advantage plan, and now would like to return to Plan C. You can do this as long as it’s within the first 12 months of your Medicare Advantage plan.

You are automatically eligible for Plan A if you're 65 or older. If you are under 65, you are eligible for Plan A if you’ll no longer be insured because you’ve become eligible for Medicare, or if you’ve lost coverage under a group policy after becoming eligible for Medicare. You can also enroll if you had Plan A, then enrolled in a Medicare Advantage plan, and now would like to return to Plan A. You can do this as long as it’s within the first 12 months of your Medicare Advantage plan.

If I'm eligible, how do I apply?

If you meet the criteria mentioned above, just download the enrollment application (PDF) and print it from your computer.

  • Then mail it to:
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IBU Medigap Enrollment – MC 0011
Blue Cross Blue Shield of Michigan
PO Box 44376
Detroit, MI 48244-0376

Tip: Review the application carefully before you sign it. We may cancel your policy and refuse to pay any claims if you leave out or falsify important medical information.

If you already have a Legacy Medigap plan

These plan rates increased on Jan. 1, 2017. You can stay with your current plan as long as you pay your premium. You should have received a letter in the mail about the increase. You may be eligible for a subsidy that will help you pay for your premiums.

If you already have a Legacy Medigap plan, check below for more information on what's available. 

Other plans available

You can buy a complete package of benefits with a Medicare Advantage plan. This allows you to combine coverage into a single plan that often includes prescription drug coverage.

You can also build your own package of Medicare coverage with a Medicare supplement plan. The new 2017 plans are now available. Coverage starts on Jan. 1, 2017.

You can add one of these Medicare supplement plans to Original Medicare Part A, Part B, and a Blue Cross Part D plan for stand-alone drug coverage.

Tip: You can only have one Medigap plan. Don't cancel your current coverage, like from an employer or through another Medigap plan, until you get your new Legacy Medigap ID card and are sure you want to keep it.

Important information about this plan

This is a solicitation of Medicare supplement insurance. Legacy Medigap is not connected with or endorsed by the U.S. government or the federal Medicare program.