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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 Pima County. 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. Additionally, this plan comes with a Part B Premium reduction of $6.00. You must continue to pay paying your reduced 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:
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Drug Coverage
The Blue Best Life Classic (HMO) plan has a $0 deductible for prescription drugs. During the initial coverage phase, you'll pay a copay for your prescriptions depending on the drug tier and pharmacy. For example, you'll pay a $9 copay for preferred generics at a standard pharmacy, and a $100 copay for preferred brand drugs. For non-preferred drugs, you'll pay 33% coinsurance. Once your total drug costs reach $2000, you enter the catastrophic coverage phase, where you pay nothing for Part D covered drugs.
Additional Benefits
The Blue Best Life Classic (HMO) plan offers a range of benefits with varying costs. Inpatient hospital stays have a $125 copay for the first five days, and then no copay for the rest of the stay. Outpatient services include copays, such as $85 for observation services, and the plan covers emergency services with a $90 copay, as well as primary care with no copay. Preventive services, hearing exams, and routine vision exams have no copay, while dental services and other services like acupuncture and over-the-counter items are covered with copays or coinsurance. The plan also covers home health services with no copay, and skilled nursing facility stays with no copay for the majority of the stay.
Inpatient Hospital See details
Inpatient Hospital-Acute has a $125 copay for days 1-5, and no copay for days 6-90, with a service-specific out-of-pocket maximum of $625. Inpatient Hospital Psychiatric has a $125 copay for days 1-5, and no copay for days 6-90. Additional Days for Inpatient Hospital-Acute are covered, with 274 additional days per benefit period.
Outpatient Services See details
Outpatient Services are covered by the Blue Best Life Classic (HMO) plan. Outpatient Hospital Services have a copay between $5 and $165, Observation Services have an $85 copay, and Ambulatory Surgical Center (ASC) Services have a $50 copay. Outpatient Substance Abuse services include individual and group sessions, both with a copay between $15 and $15. Outpatient Blood Services are also covered, with a waived three (3) pint deductible.
Partial Hospitalization See details
Partial Hospitalization is covered with a $55 copay, and requires prior authorization.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Blue Best Life Classic (HMO) plan. Ground Ambulance Services have a copay of $175, while Air Ambulance Services have a 20% coinsurance. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered. Emergency Services have a $90 copay, while Urgently Needed Services have a $25 copay. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have a $120 copay.
Primary Care See details
The Blue Best Life Classic (HMO) plan covers primary care physician services, chiropractic services with a $10 copay, occupational therapy, physician specialist services with a $5 copay, and mental health specialty services with a $15 copay for individual and group sessions. The plan also covers 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, annual physical exams, kidney disease education services, and other preventive services. Additional preventive services like therapeutic massage have a $15 copay per session, and the plan also covers fitness benefits. However, health education, in-home safety assessments, and several other services are not covered.
Hearing Services See details
Hearing exams are covered by the Blue Best Life Classic (HMO) plan with no copay, including routine hearing exams and fitting/evaluation for hearing aids. Prescription hearing aids (all types) are covered with a copay between $699 and $999, but prescription hearing aids for the inner ear, outer ear, and over the ear are not covered, and OTC hearing aids are not covered.
Vision Services See details
Vision services include eye exams and eyewear. Eye exams have no copay for routine eye exams, and eyewear includes a $200 allowance every year for contact lenses and eyeglasses (lenses and frames). Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental Services are covered, including Medicare Dental Services and Other Dental Services, each with a $10 copay. Other preventive dental services have a $10 copay and 50% coinsurance. Orthodontic services are covered up to a maximum of $2000 per year. Restorative services, endodontics, periodontics, prosthodontics (removable and fixed), and oral and maxillofacial surgery have a $10 copay and 50% coinsurance. Adjunctive general services, maxillofacial prosthetics, implant services, 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 coinsurance between 0-20%, Medicare Part B Chemotherapy/Radiation Drugs with coinsurance between 0-20%, and Other Medicare Part B Drugs with coinsurance between 0-20%. Prior authorization is required.
Dialysis Services See details
Dialysis Services are covered by the Blue Best Life Classic (HMO) plan. There is a 20% coinsurance for these services.
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 20% coinsurance for Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services, including all diagnostic services, are covered, with a copay for Medicare-covered diagnostic procedures/tests ranging from $0 to $30. Lab services have no copay, while diagnostic radiological and therapeutic radiological services have a copay of up to $50. Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered by the Blue Best Life Classic (HMO) plan with no copay or coinsurance, but authorization is required. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are technically covered, but the plan does not cover Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services. There is a copay for some services, but the specific amount is not listed.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the Blue Best Life Classic (HMO) plan, but require prior authorization. There is no copay for days 1-20 and days 41-100, but there is a $195 copay for days 21-40. Additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
The "Other Services" benefit covers acupuncture with a $15 copay per visit, and up to 30 treatments per year. Over-the-counter items are also covered, with a maximum benefit of $75 every three months. Meal benefits are covered for chronic illnesses, but require prior authorization. Several services are not covered, including Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, and others.
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