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Medicare Blue Medicare Supplement

Learn how your coverage works and the benefits of being a plan member.
Your Blue Medicare Supplement plan benefits
Medical benefits

Your Blue Medicare Supplement℠ plan covers Medicare deductibles and coinsurance for a variety of health needs:

  • Hospital stays
  • Skilled nursing facilities
  • Diagnostic tests
  • Medications
  • Surgical services
  • Medical supplies

Your Outline of Coverage includes important information about what you pay for services. Log in to Blue Connect℠ to see your coverage and payment details.
Fitness

Medicare Supplement members have access to a fitness and health platform with access to gyms, studios, and online classes.1 

Members can enjoy unlimited use of the digital platform with live and on-demand classes from expert instructors, activity tracking, nutrition programs and more.

Learn more about FitOn Health,2 available through December 31, 2025.

Learn more about SilverSneakers,2 available beginning January 1, 2026.
Discounts on health and wellness

With Blue365®, you can save on almost everything you need to support a healthy lifestyle at no additional cost. 

  • Discounts at top health and wellness retailers
  • Deals to help members stay happy and healthy
  • Discounts on goods and services, such as laser eye surgery, medical bracelets, and more

Simply register for Blue365 discounts to have deals delivered right to your email inbox.2

Hearing benefits

Taking care of your hearing is important. The TruHearing® plan covers one hearing aid, per ear, per year for a low copayment:

  • $499 for TruHearing Standard hearing aids
  • $699 for TruHearing Advanced hearing aids
  • $999 for TruHearing Premium hearing aids

As part of the TruHearing program, a licensed provider will consult with you about your hearing aid options that best fit your lifestyle and needs.

To learn more or to schedule an appointment, call 866-201-9212 (TTY 711) from 8 AM to 8 PM, Monday through Friday.2

Find the care that's right for you

Medicare Supplement members can see any provider who accepts Medicare. To find a provider near you, visit medicare.gov.

Explore care options, or log in to Blue Connect℠ to search existing coverage.

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Flexible plans

You're not locked into a plan that doesn't fit your needs. If what you need changes, our exclusive Blue-to-Blue℠ program can help you switch to a plan that fits you better:

  • Without additional medical exams
  • Without additional health questions

For more information, call 800-478-0583 (TTY 711).
About your policy

Your policy is your insurance contract. Log in to Blue Connect to read your policy and understand your rights and duties and those belonging to Blue Cross and Blue Shield of North Carolina (Blue Cross NC).

Blue Medicare Supplement plans have some limitations and exclusions. For example, Blue Cross NC does not provide benefits for services, supplies or charges that are: 

  • Not Medicare-eligible expenses under the Medicare program unless otherwise noted
  • Incurred prior to the effective date of coverage, including any expenses when a subscriber is an inpatient on the effective date of coverage
  • Payable under Medicare

If you're enrolled in a plan, you'll receive a policy and outline of coverage that will contain detailed information about your plan benefits, exclusions, and limitations. Your policy is your insurance contract. Please read your policy to understand all your rights and duties and those belonging to Blue Cross NC.

If there is any difference between what you read here and your insurance policy, the provisions of the policy will rule. Neither Blue Cross NC nor its agents are affiliated with Medicare or endorsed by the US government.
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Disclosures:

Blue Cross and Blue Shield of North Carolina is an HMO, HMO-POS, PPO and PDP plan with a Medicare contract. Enrollment in Blue Cross and Blue Shield of North Carolina depends on contract renewal.

Blue Cross and Blue Shield of North Carolina is an HMO-POS D-SNP plan with a Medicare contract and a NC State Medicaid Agency Contract (SMAC). Enrollment in Blue Cross and Blue Shield of North Carolina depends upon contract renewal. 

Blue Medicare Supplement plans offered: Plan A: BMS A, 1/24, Plan G: BMS G, 1/24, Plan HI DED G: BMS HDG, 1/24, Plan K: BMS K, 1/24, Plan N: BMS N, 1/24.

Medicare Supplement insurance plans are not connected with or endorsed by the United States Government or the federal Medicare program.

The federal government requires all Medicare Advantage members to continue paying their Part B premium each month.

Blue Cross and Blue Shield of North Carolina does not discriminate based on race, ethnicity, national origin, religion, gender, age, mental or physical disability, health status, claims experience, medical history, genetic information, evidence of insurability, sexual orientation or source of payment. All Blue Cross and Blue Shield of North Carolina items and services are available to all eligible beneficiaries in the service area.

Links marked with an external site icon indicate that you're leaving BlueCrossNC.com and Blue Cross and Blue Shield of North Carolina's plan information. The site you're going to is either a third-party vendor contracted with Blue Cross NC to provide services or an external website independent of Blue Cross NC.

To view PDF documents, you need to download and install Adobe Acrobat Reader on your computer.

Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers several decision-support tools to aid you in making decisions around your health care experience. These tools are offered for your convenience and should be used only as reference tools. You should consult your own legal counsel, tax advisor or personal physician as applicable throughout your health care experience.

Out-of-network / non-contracted providers are under no obligation to treat Plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.

The Blue FlexCard is issued by Stride Bank, N.A., Member FDIC, pursuant to license by Mastercard International. Stride Bank is an independent company offering debit card services and is solely responsible for its products.

Blue Cross NC contracts with independent companies to provide supplemental benefits. Those companies are responsible for the services they provide. They do not provide Blue Cross or Blue Shield products or services. Marks and trade names are property of their respective owners.

Change Healthcare is an independent company providing revenue and payment cycle management on behalf of Blue Cross and Blue Shield of North Carolina.

FitOn Health is an independent company providing health and fitness services on behalf of Blue Cross and Blue Shield of North Carolina.

SilverSneakers® is a registered trademark of Tivity Health. © 2025 Tivity Health, Inc. All rights reserved. Tivity Health is an independent company providing fitness services on behalf of Blue Cross and Blue Shield of North Carolina.

CareLinx is an independent company providing in-home care solutions on behalf of Blue Cross and Blue Shield of North Carolina.

TruHearing is an independent company providing hearing health and hearing aids on behalf of Blue Cross and Blue Shield of North Carolina.

  1. In-network gyms are subject to change.

  2. This is a non-insurance offering.

Current as of 9/26/2025 | Y0079_13526_M CMS Accepted 09302025 | U36079, 7/25

Blue Cross and Blue Shield of North Carolina does not discriminate on the basis of race, color, national origin, sex, age or disability in its health programs and activities. Learn more about our non-discrimination policy and no-cost services available to you.

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© 2025 Blue Cross and Blue Shield of North Carolina. ®, SM Marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield plans. All other marks and names are property of their respective owners. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.