BlueMedicare Classic (HMO)

BlueMedicare Classic (HMO) is a HMO plan offered by Guidewell Mutual Holding Corporation available for enrollment in 2025 to people living in Hillsborough, Hernando, Pasco, & Polk counties. This plan received an overall rating of 4 out of 5 stars in 2026.

It's important to know that BlueMedicare 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 BlueMedicare 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.

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 BlueMedicare Classic (HMO) prescription drug plan features an annual drug deductible of $615. Under this plan, you will pay no copay for Tier 1 preferred generic, Tier 2 generic, and Tier 6 select care drugs when using standard retail pharmacies or standard mail order. This no-copay benefit applies to both 1-month and 3-month supplies of these lower-tier medications. For higher-tier medications, costs are based on a percentage of the drug's cost rather than flat copays. You will pay 21% coinsurance for Tier 3 preferred brand drugs, 30% coinsurance for Tier 4 non-preferred drugs, and 25% coinsurance for a 1-month supply of Tier 5 specialty drugs when utilizing standard pharmacies or standard mail order.

Additional Benefits

The BlueMedicare Classic HMO plan offers comprehensive coverage for essential medical services with predictable out-of-pocket costs. Members enjoy no copay and no coinsurance for primary care visits, while specialist visits require a fifty-five dollar copay. For hospital care, inpatient stays feature a daily copay for the first seven days and no copay thereafter, while outpatient hospital services feature no coinsurance and a copay ranging from no copay up to two hundred thirty dollars. Routine dental, vision, and hearing services are highly accessible, featuring no copays or coinsurance for annual exams and cleanings. Skilled nursing facility care is covered with no copay for the first twenty days, and home health services are fully covered with no copay or coinsurance. Additionally, diagnostic lab services and durable medical equipment require no copay, though certain medical equipment and dialysis services carry a coinsurance of up to twenty percent.