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Blue Best Life Plus (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Blue Best Life Plus (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Blue Best Life Plus (HMO) in 2025, please refer to our full plan details page.
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 3.5 out of 5 stars in 2025.
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.
For Blue Best Life Plus (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $28.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has no drug deductible. Your prescription medication coverage will start immediately.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $2500.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The Blue Best Life Plus (HMO) plan has a $0 deductible for prescription drugs. During the initial coverage phase, you'll pay a copay depending on the drug tier and the pharmacy you use. For example, you'll pay a $9 copay for preferred generic drugs at a standard or mail-order pharmacy. Once your total drug costs reach $2,000, you enter the catastrophic coverage phase, where you pay nothing for your Part D covered drugs. However, if you qualify for the low-income subsidy, the plan's premium is reduced, and you'll pay $3.00 for Part D.
Additional Benefits
The Blue Best Life Plus (HMO) plan offers a wide range of benefits, including coverage for inpatient and outpatient hospital services, with copays varying by service. You'll have access to primary care with no copay, along with coverage for preventive, hearing, vision, and dental services, each with its own copay or coinsurance structure. Additional benefits include ambulance, emergency, and home health services, along with coverage for home infusion, dialysis, medical equipment, and diagnostic services. The plan also covers skilled nursing facility services, and other services like acupuncture and over-the-counter items.
Inpatient Hospital See details
Inpatient Hospital services are covered, including Acute and Psychiatric care. For Inpatient Hospital-Acute services, you'll pay a $225 copay for days 1-6, and no copay for days 7-90, with a service-specific out-of-pocket maximum of $1350; Additional Days and Upgrades for Inpatient Hospital-Acute are not covered. For Inpatient Hospital Psychiatric services, you'll pay a $225 copay for days 1-6 and no copay for days 7-90; Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services, including outpatient hospital services, observation services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services, are covered. Outpatient hospital services have a copay between $25 and $200, observation services have a $225 copay, ambulatory surgical center services have a $150 copay, and individual and group sessions for outpatient substance abuse both have a $25 copay.
Partial Hospitalization See details
Partial Hospitalization is covered under the Blue Best Life Plus (HMO) plan and requires prior authorization. The copay for this benefit is $70.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Blue Best Life Plus (HMO) plan, with prior authorization required for all ambulance services. Ground ambulance services have a $275 copay, while air ambulance services have a 20% coinsurance. Transportation services to health-related locations are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, Worldwide Emergency Services, Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation are covered. Emergency Services has a $125 copay, and Urgently Needed Services has a $25 copay. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation each have a $100 copay. There is no coinsurance for any of these services.
Primary Care See details
The Blue Best Life Plus (HMO) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, occupational therapy services with a $10 copay, physician specialist services with a $25 copay, mental health specialty services with a $25 copay, physical therapy and speech-language pathology services with a $10 copay, and opioid treatment program services with 20% coinsurance. Podiatry services are not covered.
Preventive Services See details
The Blue Best Life Plus (HMO) plan covers preventive services, including annual physical exams, Medicare-covered preventive services, and other preventive services. Therapeutic massage has a $15 copay per session, and fitness benefits are also covered.
Hearing Services See details
Hearing exams are covered by the Blue Best Life Plus (HMO) plan with a $25 copay, and routine hearing exams are covered once per year with no copay. Prescription hearing aids are covered, with a copay between $699 and $999 for all types, but prescription hearing aids - inner ear, outer ear, and over the ear are not covered, and OTC hearing aids are not covered.
Vision Services See details
The Blue Best Life Plus (HMO) plan covers vision services including eye exams with a copay between $0 and $25, and eyewear with 20% coinsurance. Contact lenses and eyeglasses (lenses and frames) are covered, with a $200 allowance every year for each. Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
The Blue Best Life Plus (HMO) plan covers dental services, including Medicare dental services with a 20% coinsurance and other dental services with a $10 copay. Oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatment, other preventive dental services, restorative services, endodontics, periodontics, prosthodontics (removable and fixed), implant services, and oral and maxillofacial surgery are also covered, each with a $10 copay and 50% coinsurance. Orthodontic services are covered up to a maximum of $3,000 per year. Adjunctive general services, maxillofacial prosthetics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs with a $35 copay and 0-20% coinsurance, and Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with 0-20% coinsurance. Prior authorization is required for these services.
Dialysis Services See details
Dialysis Services are covered by the Blue Best Life Plus (HMO) plan, with a coinsurance between 20% and 20%.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance, Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Equipment with varying coinsurance depending on the specific service. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Blue Best Life Plus (HMO) plan. Diagnostic Procedures/Tests may have a copay of up to $75 and a coinsurance of at most 20%, Lab Services have no copay, and Diagnostic Radiological Services have a copay of up to $300 and a coinsurance of at most 20%. Therapeutic Radiological Services have a coinsurance of at most 20%, while Outpatient X-Ray Services have a $10 copay.
Home Health Services See details
Home Health Services are covered by the Blue Best Life Plus (HMO) plan, with no copay or coinsurance; however, Additional Hours of Care and Personal Care Services are not covered. Authorization is required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by the Blue Best Life Plus (HMO) plan, but no specific services are covered. The plan indicates that there is a copay for these services, but does not specify how much it is.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Blue Best Life Plus (HMO) plan, but prior authorization is required. For days 1-20, there is no copay, for days 21-40, the copay is $203, and for days 41-100, there is no copay.
Other Services See details
The Blue Best Life Plus (HMO) plan covers acupuncture with a $15 copay, and over-the-counter (OTC) items up to $50 every three months, but does not cover all drugs on the CMS OTC list, and a meal benefit for chronic illness is available. However, the plan does not cover Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services.
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