Prism99

You should definitely check out Medigap policies in your state. How much are your current BCBS premium payments? My bet is that they are considerably more than a Plan F Medigap policy, which would have no co-pays. BCBS probably has one. Try calling them to find out more info. I know that our Medigap policy is much, much less expensive than the one we would have been able to continue with from my husband's company and that one had co-pays.

However, be aware that it doesn't matter which company you get a Medigap policy from. If you want a Plan F Medigap policy, for example, BCBS and every other company in your state offering Plan F has to provide the same coverage. However, every one of them will charge a different price. This is why, once you decide it's Plan F that you want, you should compare prices among the companies in your state. Basically you get the same coverage whether you go with the company that has the cheapest premium or the company that has the most expensive premium. However, it's good to check a few things. For example, you may want to check the company's history of premium rate hikes (they are allowed to increase premiums for the entire group). You may also want to check that you can continue with the policy even if you move to a different state. Some companies are incorporated within a state, which means that if you move you may not be able to move the policy with you. This can be problematic if you have serious health conditions because at that point companies are able to turn you down for Medigap coverage.

Here is a link to one of the SHIP websites with some basic information about Medigap coverage:
http://www.shiip.state.ia.us/SupplementalInsurance.aspx

Edit: Note that the SHIP website is for Iowa. Some of the specifics there may be available only in Iowa. You might want to Google and see if you can find a SHIP website for your state.