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Blue Cross Medicare Advantage Balance (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Blue Cross Medicare Advantage Balance (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Blue Cross Medicare Advantage Balance (PPO) in 2026, please refer to our full plan details page.
This summary reflects 2026 plan information. Where this plan continues in 2027, the full plan details page links to its 2027 benefits and costs.
Blue Cross Medicare Advantage Balance (PPO) is a PPO plan offered by Hcsc Insurance Services Company available for the 2026 plan year to people living in NM $Mid PPO. This plan received an overall rating of 3 out of 5 stars in 2026.
It's important to know that Blue Cross Medicare Advantage Balance (PPO) 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 Cross Medicare Advantage Balance (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 Blue Cross Medicare Advantage Balance (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $59.00. 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 a $450.00 drug deductible that applies only to drugs in certain tiers. You pay this amount toward covered prescriptions in those tiers before the plan's cost sharing begins; drugs in the other tiers are not subject to the deductible. See the full plan details page for the tier table.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $6750.00 for in-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your out-of-pocket costs reach $6750.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
This plan has a Maximum Out-Of-Pocket cost of $10100.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your out-of-pocket costs reach $10100.00 for out-of-network covered services, the plan will pay 100% of out-of-network covered costs for the rest of the year.
This plan has a Maximum Out-Of-Pocket cost of $10100.00 (in-network and out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your out-of-pocket costs reach $10100.00 for covered services, the plan will pay 100% of 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 Cross Medicare Advantage Balance (PPO)
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Drug Coverage
The Blue Cross Medicare Advantage Balance (PPO) plan features an annual prescription drug deductible of $450. For Tier 1 preferred generic drugs, you will pay no copay when using a preferred pharmacy or preferred mail-order service. Tier 2 generic drugs are also highly affordable, with copays starting at just $1 for a one-month supply at preferred locations. For brand-name and specialty medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require an 18% coinsurance at preferred pharmacies, while Tier 4 non-preferred drugs range from 40% to 43% coinsurance. Tier 5 specialty drugs have a 27% coinsurance for a one-month supply regardless of whether you use a preferred or standard pharmacy.
Additional Benefits
The Blue Cross Medicare Advantage Balance (PPO) plan offers robust coverage with no copay and no coinsurance for essential services like primary care visits, telehealth, annual physicals, and lab tests. For hospital care, members pay a daily copay of $325 for the first seven days of inpatient stays and a $325 copay for outpatient hospital services, both with no coinsurance. Emergency room visits require a $100 copay, which is waived if admitted, while urgent care services carry a $40 copay. Specialist visits and physical therapy require copays ranging from $30 to $50 with no coinsurance. Routine dental cleanings, vision exams, and hearing evaluations are available with no copay, alongside a $45 quarterly allowance for over-the-counter items. Additionally, home health services feature no copay, while durable medical equipment and dialysis services require a 20% coinsurance.
Inpatient Hospital See details
Blue Cross Medicare Advantage Balance (PPO) partially covers inpatient hospital services with no coinsurance, requiring a daily copay of $325 for days 1 to 7 of acute stays and $265 for days 1 to 6 of psychiatric stays, with no copay for subsequent days. Prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by Blue Cross Medicare Advantage Balance (PPO) with no coinsurance, featuring a $325 copay for outpatient hospital and observation services, and a $300 copay for ambulatory surgical center services. Outpatient substance abuse sessions require a $75 copay with no coinsurance, while outpatient blood services are provided with no copay, no coinsurance, and no deductible.
Partial Hospitalization See details
Blue Cross Medicare Advantage Balance (PPO) covers partial hospitalization services with a $40.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Blue Cross Medicare Advantage Balance (PPO) covers ambulance services with prior authorization, requiring a $250 copay and no coinsurance for ground ambulance services, and a 20% coinsurance and no copay for air ambulance services. Transportation services are not covered.
Emergency Services See details
Emergency services are covered under the Blue Cross Medicare Advantage Balance (PPO) with a $100 copay and no coinsurance, which is waived if admitted to the hospital within three days, and urgently needed services are covered with a $40 copay and no coinsurance. Worldwide emergency and urgent services are partially covered with a $100 copay and no coinsurance, but worldwide emergency transportation is not covered.
Primary Care See details
Blue Cross Medicare Advantage Balance (PPO) primary care benefits are partially covered, offering primary care doctor visits and telehealth with no copay and no coinsurance, while podiatry and chiropractic services are not covered. Other covered services, including specialists, physical therapy, occupational therapy, and mental health care, require copays ranging from $30 to $50 and no coinsurance.
Preventive Services See details
Blue Cross Medicare Advantage Balance (PPO) offers coverage for preventive services, including annual physical exams, kidney disease education, and fitness benefits, with no copays and no coinsurance. However, the benefit is only partially covered as several services, such as health education, nutritional/dietary benefits, and in-home safety assessments, are not covered.
Hearing Services See details
Blue Cross Medicare Advantage Balance (PPO) covers hearing services, featuring Medicare-covered exams for a $40 copay and routine exams or fitting evaluations with no copay, all with no coinsurance. Prescription hearing aids are partially covered with a $699 to $999 copay and no coinsurance for up to two aids per year, while OTC hearing aids and inner ear, outer ear, or over the ear prescription aids are not covered.
Vision Services See details
Vision services are partially covered by Blue Cross Medicare Advantage Balance (PPO), featuring no copay and no coinsurance for routine eye exams and eyewear up to annual plan limits. Other eye exam services, upgrades, and packaged eyeglasses are not covered.
Dental Services See details
Blue Cross Medicare Advantage Balance (PPO) partially covers dental services, featuring a $40 copay and no coinsurance for Medicare-covered dental, and no copay and no coinsurance for preventive services like exams and cleanings. Up to a $750 annual limit, restorative and periodontics services have no copay and no coinsurance, while oral surgery and adjunctive services require a 50% coinsurance and no copay. Other diagnostic services, fluoride treatment, other preventive services, implants, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Blue Cross Medicare Advantage Balance (PPO) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs require no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and up to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Blue Cross Medicare Advantage Balance (PPO) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical Equipment is covered by Blue Cross Medicare Advantage Balance (PPO) with no copays, though prior authorization is required. Durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes carry a 20% coinsurance, while diabetic supplies range from no coinsurance up to 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by Blue Cross Medicare Advantage Balance (PPO) with no coinsurance, although prior authorization is required. There is no copay for lab services and outpatient X-rays, while diagnostic procedures and tests range from a $0 to $100 copay, diagnostic radiological services start at a $0 copay, and therapeutic radiological services require a minimum copay of $45.
Home Health Services See details
Home health services are covered under the Blue Cross Medicare Advantage Balance (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the Blue Cross Medicare Advantage Balance (PPO) with no coinsurance and required prior authorization, though only some services are covered. Specifically, cardiac rehabilitation (with a $30 copay), intensive cardiac rehabilitation (with a $30 copay), pulmonary rehabilitation (with a $15 copay), and supervised exercise therapy for peripheral artery disease (with a $25 copay) are not covered.
Skilled Nursing Facility (SNF) See details
Blue Cross Medicare Advantage Balance (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 to 20 and 60 to 100, a $218 daily copay for days 21 to 59, and additional days beyond the standard 100-day Medicare benefit are not covered.
Other Services See details
Other Services are partially covered under the Blue Cross Medicare Advantage Balance (PPO), which does not cover acupuncture, meal benefits, or naloxone. Over-the-Counter (OTC) items are covered with no copay and no coinsurance, providing a $45 allowance every three months that carries forward if unused.
Plan Providers
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpringSM, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
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