Blue Cross Blue Shield

Blue Cross Blue Shield is offered nearly nationwide, available in 50 states and Puerto Rico, with variations based on plan types. So, it’s an excellent retirement health insurance option for seniors over 60.

They have Medicare supplement plans, Medicare Advantage plans, and programs available for individual purchase on the marketplace. There are 34 independent organizations under their umbrella, which is why plans will differ depending on where you live.

And because of their availability and size, they have an extensive network of providers. Another fantastic part about this retirement health insurance option is its hearing, dental, vision, and transportation coverage.

Let’s look at some pros and cons of this retirement health insurance option:

Pros
-Highly rated for Medicare Parts A and D Plans
-A broad range of Medicare supplement plans
-Lower than average out-of-pocket costs

Cons
-Regional variations
-MA plans with higher-than-average premiums and deductibles
-Not offered everywhere