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Blue Best Life Classic (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Blue Best Life Classic (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 Classic (HMO) in 2025, please refer to our full plan details page.
Blue Best Life Classic (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 Classic (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 Classic (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 Classic (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. 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 $2800.00 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:
Sign up for Blue Best Life Classic (HMO)
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Drug Coverage
The Blue Best Life Classic (HMO) plan has a $0 deductible. In the initial coverage phase, you will pay a copay for your prescriptions. For preferred generic drugs, the copay is $9.00 at standard and mail order pharmacies. For standard generic drugs, the copay is $47.00 at standard and mail order pharmacies. For preferred brand drugs, the copay is $100.00 at standard and mail order pharmacies. Non-preferred drugs have a 33% coinsurance. Specialty tier drugs have no copay.
Additional Benefits
The Blue Best Life Classic (HMO) plan offers a range of benefits with varying costs. Inpatient hospital stays have a copay, with no copay for days 6-90. Outpatient services, including emergency care, have copays, while primary care visits have a copay of $5 to $10, and specialist visits have a $5 copay. The plan also covers preventive services, hearing, vision, and dental services with copays. Additionally, it provides coverage for ambulance services, home health, and skilled nursing facility stays with specific copay structures. However, some services like cardiac rehabilitation and certain dental and vision services are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered. For Inpatient Hospital-Acute, you pay a $125 copay for days 1-5, and no copay for days 6-90; and for Inpatient Hospital Psychiatric, you pay a $125 copay for days 1-5, and no copay for days 6-90. Additional Days for Inpatient Hospital-Acute are covered with no copay. Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute, and Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric, are not covered.
Outpatient Services See details
Outpatient services are covered by the Blue Best Life Classic (HMO) plan, including outpatient hospital services with a copay between $5 and $165, observation services with an $85 copay, and ambulatory surgical center services with a $50 copay. Outpatient substance abuse services, including individual and group sessions, have a copay of $15.00. Outpatient blood services are also covered.
Partial Hospitalization See details
Partial Hospitalization is covered by the Blue Best Life Classic (HMO) plan with a $55 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered under the Blue Best Life Classic (HMO) plan. Ground Ambulance Services have a $175 copay, while Air Ambulance Services have a 20% coinsurance. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, including Urgently Needed Services and Worldwide Emergency Services, are covered under the Blue Best Life Classic (HMO) plan. Emergency Services have a $90 copay, Urgently Needed Services have a $25 copay, and Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation each have a $120 copay. Worldwide Emergency Services have a maximum plan benefit coverage of $30,000.
Primary Care See details
The Blue Best Life Classic (HMO) plan covers Primary Care Physician Services, Chiropractic Services with a $10 copay, Occupational Therapy Services with a $10 copay, Physician Specialist Services with a $5 copay, Mental Health Specialty Services with a $15 copay for individual and group sessions, Other Health Care Professional services with a copay between $5-$75, Psychiatric Services with a $15 copay for individual and group sessions, Physical Therapy and Speech-Language Pathology Services with a $10 copay, Additional Telehealth Benefits, and Opioid Treatment Program Services with no copay. Podiatry Services are not covered.
Preventive Services See details
Preventive Services include coverage for Medicare-covered preventive services with no copay, annual physical exams, and additional preventive services, including therapeutic massage with a $15 copay for up to 30 sessions per year. Other services such as health education, home safety assessments, and counseling services are not covered.
Hearing Services See details
Hearing exams are covered by the Blue Best Life Classic (HMO) plan with no copay, and routine hearing exams, as well as fitting/evaluation for hearing aids, are included. Prescription hearing aids are covered, with a copay between $699 and $999 for all types of prescription hearing aids, but prescription hearing aids for the inner ear, outer ear, and over the ear are not covered.
Vision Services See details
Vision services include eye exams and eyewear. Eye exams have a copay between $0 and $10, while routine eye exams have no copay. Eyewear, including contact lenses and eyeglasses (lenses and frames), are covered with a $200 annual allowance. Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental Services include a $10 copay for Medicare and other dental services. The plan covers Oral Exams, Dental X-Rays, Prophylaxis (Cleaning), Fluoride Treatment, Other Preventive Dental Services, Restorative Services, Endodontics, Periodontics, Prosthodontics (removable and fixed), and Oral and Maxillofacial Surgery with a $10 copay and 50% coinsurance. Adjunctive General Services, Maxillofacial Prosthetics, Implant Services and Orthodontics are not covered. Orthodontic Services have a maximum plan benefit of $2,000 per year.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the Blue Best Life Classic (HMO) plan. Medicare Part B Insulin Drugs have a $35 copay, and a coinsurance between 0% and 20%, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the Blue Best Life Classic (HMO) plan, with a coinsurance of 20%.
Medical Equipment See details
Medical equipment, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment are covered. DME has a 20% coinsurance and requires authorization, while Durable Medical Equipment for use outside the home is not covered. Prosthetic Devices and Medical Supplies have a 20% coinsurance, and Diabetic Supplies and Therapeutic Shoes/Inserts have a 20% coinsurance and no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, diagnostic procedures/tests with a copay between $0 and $30, and lab services with no copay. Also covered are all radiological services, including diagnostic and therapeutic radiological services with a copay up to $50, and outpatient X-ray services with no copay.
Home Health Services See details
Home Health Services are covered by the Blue Best Life Classic (HMO) plan with no copay and no coinsurance. However, additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Blue Best Life Classic (HMO) plan. Although the plan covers Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services, none of the sub-services are covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Blue Best Life Classic (HMO) plan, but require prior authorization. For days 1-20, there is no copay, for days 21-40, the copay is $195, and for days 41-100, there is no copay. Additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
The Blue Best Life Classic (HMO) plan covers acupuncture with a $15 copay, and covers over-the-counter items with a maximum benefit of $75 every three months, and covers a meal benefit for chronic illness. 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, or Self-Directed Personal Assistance Services.
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