What Will a Medicare Supplement Plan Cost? 

The federal government decides how Medicare supplement, also known as Medigap, plans are structured. They pretty much stay the same from company to company. However, the cost of a Medicare supplement plan is determined by the health insurance company selling the plan, so prices may vary from year to year. 

We consider factors like age, gender, location and health habits when calculating your premium at Blue Cross Blue Shield of Michigan.

Your premium goes up as you get older. Depending on the health insurance carrier, your premium may also be different based on your location within Michigan.

The prices you'll see are estimates and won't include taxes. They'll give you a good idea of what your monthly bill will be to start.

Guaranteed issue right

When looking up the cost of Medicare supplement plans, you need to know if you qualify for a guaranteed issue right. Knowing if you're eligible for a guaranteed issue right is important. It can affect what you pay for your plan and whether you can be turned down for coverage. 

Determining the cost

There are a few ways you can find out how much a Blue Cross® Medicare Supplement plan costs: online, by phone or by using our rate tables. 


The fastest way to find out how much one of our Medicare supplement plans will cost you is online.

You don't have to log in or create an account. And you don't have to start enrollment to see prices.

We'll ask you for information such as:

  • Your ZIP code
  • Age
  • Gender
  • Whether you use nicotine or tobacco products
We may also ask you about when your Part A and Part B coverage started, and if you qualify for a guaranteed issue right. We give you a list of these conditions. Just check the ones that apply to you. 
We list your price for all Medicare supplement plans you qualify for, so you can compare them.

By phone 

We can help you find your monthly cost for a Medicare supplement plan. Just call 1-888-563-3307 from 8 a.m. to 9 p.m. ET seven days a week. TTY users should call 711.

Rate tables

You can find your estimated Medicare supplement cost using the rate tables found in the Medicare Supplement Outline of Coverage (PDF)

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Important information about Medicare supplement plans

This is a solicitation of insurance. We may contact you about buying insurance. Blue Cross Medicare Supplement plans aren't connected with or endorsed by the U.S. government or the federal Medicare program.