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Secure Blue Courage (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Secure Blue Courage (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Secure Blue Courage (PPO) in 2026, please refer to our full plan details page.
Secure Blue Courage (PPO) is a PPO plan offered by Gemstone Holdings, Inc. available for enrollment in 2025 to people living in Select Counties in Idaho. This plan received an overall rating of 2.5 out of 5 stars in 2026.
It's important to know that Secure Blue Courage (PPO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Secure Blue Courage (PPO).
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 Secure Blue Courage (PPO), 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 $50.00. 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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $7000.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $7000.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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
Prescription drugs are not covered by Secure Blue Courage (PPO).
Additional Benefits
The Secure Blue Courage (PPO) plan offers robust medical coverage with affordable cost-sharing, including no copay for primary care visits and a $40 copay for specialists. Inpatient hospital stays require a $350 copay per day for the first five days and no copay for subsequent days, while emergency room visits carry a $100 copay that is waived if you are admitted. Outpatient services and diagnostic screenings are highly accessible, featuring no coinsurance and low-to-no copays for routine care. This plan also provides valuable supplemental benefits, such as preventive dental services with no copay up to a $500 annual limit and routine vision exams for a $20 copay. Hearing exams are covered with a $20 copay, and home health services feature no copay or coinsurance. Durable medical equipment and dialysis services are available with no copay and a 20% coinsurance, ensuring comprehensive support for your ongoing health needs.
Inpatient Hospital See details
Secure Blue Courage (PPO) inpatient hospital care is partially covered, requiring no coinsurance and a $350 copay for days 1 through 5, with no copay for days 6 through 90 per stay. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services covered by Secure Blue Courage (PPO) feature no coinsurance, with no copay for ambulatory surgical center visits, outpatient substance abuse sessions, and blood services. Medicare-covered outpatient hospital services have a copay of $0 to $325, while observation services carry a $325 copay per stay.
Partial Hospitalization See details
Secure Blue Courage (PPO) covers partial hospitalization services with a $40.00 copay and no coinsurance. Prior authorization and a referral are required to receive these covered services.
Ambulance and Transportation Services See details
Secure Blue Courage (PPO) covers ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. While some transportation services are covered, transportation to plan-approved health-related locations and any health-related locations are not covered.
Emergency Services See details
Secure Blue Courage (PPO) covers emergency services with a $100 copay (waived if admitted to the hospital within 24 hours) and urgently needed services with a $40 copay, both with no coinsurance. Worldwide emergency, urgent, and transportation services are also covered with no copays and no coinsurance under an unlimited maximum plan benefit.
Primary Care See details
Secure Blue Courage (PPO) provides primary care and mental health specialty services with no copay and no coinsurance, while specialist visits, psychiatric services, and physical, occupational, and speech therapies require a $40 copay and no coinsurance. Additional telehealth benefits are covered with a $0 to $40 copay and no coinsurance, but podiatry and chiropractic services are not covered.
Preventive Services See details
Preventive services under Secure Blue Courage (PPO) are covered with no copay and no coinsurance, including annual physical exams, kidney disease education, and select screenings. Additional preventive benefits are partially covered, providing fitness benefits and remote access technologies, while sub-services such as health education, in-home safety assessments, personal emergency response systems, and medical nutrition therapy are not covered. Referrals are required for kidney disease education and other specific screenings.
Hearing Services See details
Secure Blue Courage (PPO) provides partially covered hearing services with no deductible, including hearing exams for a $20 copay and no coinsurance. While up to two prescription hearing aids are covered per year with no coinsurance and copays ranging from $499 to $999, OTC hearing aids and inner, outer, or over the ear prescription hearing aids are not covered.
Vision Services See details
Vision Services are partially covered by Secure Blue Courage (PPO) with no deductible and no coinsurance, though other eye exams, individual eyeglass lenses, and individual eyeglass frames are not covered. Annual routine eye exams have a $20 copay, while covered eyewear like contact lenses and combined eyeglasses have copays ranging from no copay up to $35, subject to plan benefit maximums.
Dental Services See details
Secure Blue Courage (PPO) provides partially covered dental services, including Medicare dental services with no copay and 10% coinsurance, and preventive care with no copay and no coinsurance up to a $500 annual limit. Comprehensive services are covered up to a $1,500 yearly limit with no coinsurance and copays ranging from no copay to $300, while other diagnostic, other preventive, maxillofacial prosthetics, and orthodontics are not covered.
Home Infusion bundled Services See details
Secure Blue Courage (PPO) covers Home Infusion bundled Services with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs carry a coinsurance ranging from no coinsurance to 20%, while Part B insulin is covered with a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered by Secure Blue Courage (PPO) with no copay and a 20% coinsurance. A referral is required to receive these covered services.
Medical Equipment See details
Secure Blue Courage (PPO) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance, subject to prior authorization. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts are covered with a 20% coinsurance.
Diagnostic and Radiological Services See details
Secure Blue Courage (PPO) covers diagnostic and radiological services, requiring prior authorization and referrals for all care. Diagnostic procedures carry a $30 copay and 10% coinsurance, outpatient x-rays require a $15 copay and coinsurance, and therapeutic radiology has a 10% coinsurance, while lab services have no copay but require coinsurance, and diagnostic radiological services feature no copay or coinsurance.
Home Health Services See details
Home health services are covered under the Secure Blue Courage (PPO) plan with no copay and no coinsurance, although a referral is required.
Cardiac Rehabilitation Services See details
Secure Blue Courage (PPO) covers Cardiac Rehabilitation Services with no coinsurance, but in practice only some services are covered, as cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
Secure Blue Courage (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, offering no copay for days 1 to 20 and 56 to 100, and a $218 daily copay for days 21 to 55. Prior authorization and referrals are required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Secure Blue Courage (PPO) does not cover Other Services, meaning there is no coverage, copay, or coinsurance for acupuncture, over-the-counter (OTC) items, and meal benefits.
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