BCBS Medigap is also known as Blue Medicare Supplement plans created by Blue Cross and Blue Shield (BCBS) of North Carolina for senior citizens. It is based on Medigap health plans that are essentially designed to help seniors pay for their out-of-pocket medical epenses which are not covered by Medicare. Medigap is also known as a Medicare supplemental insurance plan that helps minimize the health care costs of senior citizens. BCBS of North Carolina offers its BCBS Medigap to senior citizens along with other health care benefits. If you insured your grandmother in this plan, she can use the services of any doctor, health care provider or hospital that she prefers. She will not have any claims-processing problems since the company uses an electronic filing process for all the claims. Also, your grandmother’s premium might not increase based on her age since she has to lock in her entry age when she enrolls. Basically, any adjustments in the rate might be influenced by inflation or her overall claims history. You should enroll your grandmother for BCBS Medigap during the open enrollment period. This is usually the first si months after your grandmother has been enrolled in Medicare Part B or when she reaches the age of 65. Your grandmother is actually guaranteed acceptance onto the Medicare supplemental insurance plan when she enrolls during this period. BCBS or any other insurance carrier might not actually be permitted to check your grandmother's medical history to determine her policy premium or eligibility. -- June 30, 2009 @ 1:56 pm