Medicare only covers some of your medical costs. That's why Blue Cross and Blue Shield of North Carolina (BCBSNC) offers dependable Medicare supplement plans for Medicare beneficiaries, to help lessen the worries over costs that Medicare doesn't cover. Choose from our 11¹ Blue Medicare Supplement^SM plans to find the plan that best fits your needs and your budget.

• Wide selection of plans
• Protection against unexpected events

A local company you can trust
With the largest market share² of Medicare supplement policyholders in the state, BCBSNC serves more than 125,000³ North Carolina Medicare beneficiaries with over 75 years of experience in the health care industry.

• Largest market share of Medicare supplement policyholders in the state²
• One of the most trusted Medicare supplement plans in the state

See the doctor YOU want
No matter which Blue Medicare Supplement^SM plan you choose, you're free to select your own Medicare-participating doctor or visit any Medicare-participating hospital. And in most cases, your Part A and Part B Medicare claims and supplement claims are handled automatically by BCBSNC.

• Choice of Medicare-participating doctors
• Easy to use, virtually no claims to file

Value-added discounts
You'll also have access to Blue Values^SM, our value-added discount programs available to you at no extra cost.⁴ You'll be eligible for discounts on health-related products and services, such as eyeglasses, hearing aids and more.

• Discounts on eyeglasses, hearing aids and more!
• Discount programs exclusive to BCBSNC members

Advantages for early enrollment
Lock in your entry age on most of our plans⁵. There are many advantages to enrolling in Blue Medicare SupplementSM coverage within the first six months of enrolling in Medicare Part B. With entry-age plans, when you enroll, you lock in your entry age forever. Rate increases on our entry-age plans are only due to medical inflation or overall claims experience.⁵ So, if you enroll when you're 65, you'll always pay the rate of a 65 year old, even when you're 80!

• Lock in your entry age⁵
• Convenient costs

No waiting periods
If you enroll early, you may be eligible for this plan without waiting periods for pre-existing conditions. Pre-existing conditions are conditions for which medical advice was given or treatment was recommended by or received from a physician within six months before the effective date of coverage. If you wait until after the deadline to enroll, you may have a waiting period for pre-existing conditions.

• No waiting periods for pre-existing conditions

Guaranteed acceptance by enrolling early
You cannot be turned down for Blue Medicare Supplement^SM and may not have to complete a medical questionnaire if you meet the following:

• You are age 65 or older, or under age 65 and are eligible for Medicare by reason of disability (Plans A and C, ⁶)
• You enroll within 6 months of enrolling in Medicare Part B
• You are not covered by certain Medicaid programs
• You are a resident of North Carolina