The Blue Cross supplemental insurance is a health insurance policy that provides additional coverage for medical services not covered under the original Medicare federal program. This type of health insurance plan is offered by the Blue Cross Blue Shield Association through its member companies located throughout the United States. As of 2015, the Blue Cross Blue Shield health care system is composed of 36 privately owned and locally operated companies that serve more than 105 million participants, notes BCBS.com.
Medicare beneficiaries receive coverage for various health care costs, although members may still have to pay for other medical services and drug expenses. The Blue Cross supplement insurance is designed to fill in the gaps and enhance the benefits that Medicare has to offer. Policyholders of the Blue Cross supplement insurance still have access to Medicare-affiliated doctors and hospitals, states BCBSTX.com.
The Blue Cross Blue Shield of Illinois offers the Medicare Supplement Insurance Plan F, which is the most health plan available as of 2015, notes BCBSIL.com. The plan includes coverage for deductibles and coinsurance payments under Medicare Part A, as well as deductibles and excess costs under Medicare Part B. Additionally, Plan F also pays for the skilled nursing facility coinsurance and emergency care when traveling abroad.