Blue Cross Blue Shield Medicare Supplement Plans 2027: Plans, Costs and How to Compare

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 11, 2026

Blue Cross Blue Shield is one of the most trusted names in Medicare Supplement insurance, but there isn’t one national Blue Cross Medigap plan. Blue Cross Blue Shield is a group of independent companies, and each one sells its own Medicare Supplement plans, with its own rates, in its own states.

The benefits are the same everywhere. A Blue Cross Medicare Supplement Plan G pays exactly the same benefits as Plan G from any other company, because Medigap plans are standardized by federal law. What changes from one Blue to the next, and from Blue Cross to other carriers, is the price.

The Blue Cross company that sells Medicare Supplement plans depends on where you live. These are some of the largest:

Not every Blue Cross company sells Medigap in every part of its state. Check by ZIP code.

Massachusetts, Minnesota and Wisconsin standardize Medigap plans differently from the rest of the country, so the plan letters work differently there.

Most Blue Cross companies sell the plan letters people buy most often. Availability depends on the company and state:

• Plan G. The most comprehensive plan for anyone new to Medicare. You pay only the Part B deductible, $283 in 2026, and Plan G pays the rest of your Medicare-approved costs.
• Plan N. A lower premium in exchange for copays of up to $20 for some office visits and up to $50 for emergency room visits. See our Medicare Supplement Plan N 2027 guide.
• High Deductible Plan G. The same benefits as Plan G after a $2,950 deductible in 2026, for a much lower premium.
• Plan F. Available only if you were eligible for Medicare before January 1, 2020.

The 2027 Part A and Part B deductibles are announced by CMS in the fall. The 2026 Medicare Trustees Report projects a 2027 Part B deductible of $292.

Live in California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, Nevada, New Hampshire, New York, Ohio, Virginia or Wisconsin? Your Blue Cross company is Anthem. See our guide to Anthem Medicare Supplement Plans 2027.

The core benefits are set by federal law. Beyond those, what you get depends on the Blue Cross company and state:

• Any doctor that accepts Medicare. No networks and no referrals, anywhere in the country.
• A household discount may be available when two people in the same home enroll.
• Member discounts through Blue365 on things like fitness, vision and hearing products, depending on the company.
• A fitness program may be included with some Blue Cross Medigap plans.

Medigap plans don’t include prescription drug coverage, so you’ll need a separate Part D plan. Not all plans offer all benefits.

Each Blue Cross company files its own Medigap rates with the state, so a Blue Cross Plan G in Texas is priced differently from one in Ohio. Your premium depends on your age, ZIP code, gender and tobacco use.

For context, the national average Plan G premium was about $180 a month in 2026 for a 65-year-old woman who doesn’t smoke, according to ValuePenguin, and Plan G rate increases averaged 16.8% across the industry in 2026, according to Telos Actuarial. See our full breakdown of Medicare Supplement Plan G cost in 2027.

Because every Plan G pays the same benefits, compare Blue Cross against other carriers in your ZIP code. The lowest premium with a steady rate history is usually the best buy.

1. Find your Blue. The Blue Cross company that sells Medigap depends on your state.
2. Pick your plan letter. Plan G, Plan N and High Deductible Plan G are the most common choices.
3. Compare the same letter across carriers. Benefits are identical, so price is the difference.
4. Ask about the pricing method. Attained-age, issue-age and community-rated policies age very differently.
5. Ask about household discounts. They vary by company and state.
6. Add a Part D plan. Compare all Medicare Supplement plans for 2027 alongside your drug coverage.

One of the most common carriers to compare against Blue Cross is UnitedHealthcare, which sells Medigap plans in all 50 states. See our guide to UnitedHealthcare Medicare Supplement plans for 2027 to compare discounts and Plan G pricing side by side.