Blue Best Life Plus (HMO)

Blue Best Life Plus (HMO) is a HMO plan offered by Blue Cross Blue Shield of Arizona available for enrollment in 2025 to people living in Maricopa and Pinal Counties. This plan received an overall rating of 4.5 out of 5 stars in 2026.

It's important to know that Blue Best Life Plus (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Key Plan Facts

Below are a few key facts and commonly-asked questions about Blue Best Life Plus (HMO).

Plan Costs:

The cost of a Medicare Advantage Plan is made up of four main parts.

• First, the monthly premium — the amount you pay every month.
• Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
• Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
• Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.

You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.

Common Services:

Drug Coverage

The Blue Best Life Plus (HMO) plan features an Enhanced Alternative drug benefit with a $385.00 annual prescription drug deductible and a standard Part D premium of $44.00. During the initial coverage phase, standard pharmacy and standard mail orders offer a $9.00 copay for Tier 1 preferred generics and a $47.00 copay for Tier 2 standard generics. Tier 3 preferred brands cost a $100.00 copay, Tier 4 non-preferred drugs require a 28% coinsurance, and Tier 5 specialty tier drugs have no copay. These initial coverage rates apply until your total combined drug costs reach $2,100.00. After your yearly out-of-pocket drug expenses reach this $2,100.00 threshold, you enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs. This structured coverage helps beneficiaries easily predict and manage their prescription medication expenses throughout the year.

Additional Benefits

The Blue Best Life Plus (HMO) plan offers structured coverage for essential medical services, balancing predictable copays with no coinsurance for many services. Inpatient hospital stays require a $195 daily copay for the first five days and no copay for days six through 90, while outpatient care features copays ranging from $25 to $200. Essential preventive care, annual physicals, and fitness benefits are available with no copay or coinsurance, though specialist visits range from $15 to $75 per visit. For supplemental care, the plan provides routine vision exams with no copay to a $25 copay, alongside dental services ranging from a $10 copay to a 20% coinsurance. Hearing benefits include routine exams for a $25 copay and coverage for up to two hearing aids per year with copays between $499 and $999. Additionally, members benefit from a $50 quarterly over-the-counter allowance and acupuncture services for a $15 copay, with no coinsurance required for either benefit.