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Blue Medicare Freedom+ (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Blue Medicare Freedom+ (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Blue Medicare Freedom+ (PPO) in 2026, please refer to our full plan details page.
Blue Medicare Freedom+ (PPO) is a PPO plan offered by CuraCor Solutions Corp. available for enrollment in 2025 to people living in Select North Carolina Counties. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Blue Medicare Freedom+ (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 Blue Medicare Freedom+ (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 Medicare Freedom+ (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 $100.00. 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 $13900.00 (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 $13900.00 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 Blue Medicare Freedom+ (PPO).
Additional Benefits
The Blue Medicare Freedom+ (PPO) plan offers medical coverage with no copay and a 20% coinsurance for primary care, specialist visits, outpatient services, and diagnostic tests. Emergency care is available with a $115 copay, which is waived if you are hospitalized, while urgent care services require a $40 copay. Additionally, the plan features no copay and no coinsurance for preventive services like annual physicals, fitness benefits, and home health care. For inpatient hospital stays, members pay an $838 copay for days 1 to 60, while skilled nursing facility care has no copay for days 1 to 20 and 61 to 100. While basic hearing exams and Medicare-covered dental services are covered, routine vision, routine dental, and hearing aids are not covered under this plan. Eligible members can also take advantage of up to 12 one-way transportation trips per year to health-related locations with no copay or coinsurance.
Inpatient Hospital See details
Blue Medicare Freedom+ (PPO) partially covers inpatient hospital services with no coinsurance, though prior authorization is required. Medicare-covered acute stays require an $838 copay for days 1 to 60 (up to $2,230 per stay) and psychiatric stays require an $838 copay for days 1 to 60 (up to $2,080 per stay), while additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Blue Medicare Freedom+ (PPO) covers outpatient services, including outpatient hospital, ambulatory surgical center, outpatient substance abuse, and outpatient blood services, with no copays and a 20% coinsurance. Prior authorization is required for outpatient hospital, ambulatory surgical center, and substance abuse services.
Partial Hospitalization See details
Partial hospitalization is covered under the Blue Medicare Freedom+ (PPO) plan with no copay and a 20% coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered under the Blue Medicare Freedom+ (PPO), with transportation being partially covered since plan-approved health-related location services are not covered. Ground and air ambulance services require prior authorization and carry a 20% coinsurance with no copay, while up to 12 one-way trips per year to any health-related location are offered with no copay and no coinsurance.
Emergency Services See details
Blue Medicare Freedom+ (PPO) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 48 hours. Urgently needed services are covered with a $40 copay and no coinsurance, but worldwide emergency, urgent, and transportation services are not covered.
Primary Care See details
Blue Medicare Freedom+ (PPO) covers primary care, specialist, mental health, psychiatric, and opioid treatment services with no copay and 20% coinsurance, while physical, occupational, and speech therapies require a $30 copay and no coinsurance. Podiatry is not covered, and while some chiropractic services are covered, routine and other chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by Blue Medicare Freedom+ (PPO) with no copay and no coinsurance for services like annual physicals, fitness benefits, and caregiver support. However, this benefit is only partially covered, as it excludes health education, in-home safety assessments, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, disease management, telemonitoring, remote access technologies, home modifications, and counseling.
Hearing Services See details
Blue Medicare Freedom+ (PPO) covers hearing exams with no copay, no coinsurance, and no deductible, though routine hearing exams and hearing aid fitting evaluations are not covered. Prescription and over-the-counter hearing aids are also not covered under this plan.
Vision Services See details
Vision services are not covered under the Blue Medicare Freedom+ (PPO) plan, as routine eye exams, other eye exam services, contact lenses, and eyeglasses are all not covered.
Dental Services See details
Blue Medicare Freedom+ (PPO) offers partial coverage for dental services, covering only Medicare-covered dental services with no copay and a 20% coinsurance, which requires prior authorization. All other dental services, including routine cleanings, exams, x-rays, restorative care, and orthodontics, are not covered.
Home Infusion bundled Services See details
Blue Medicare Freedom+ (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other Part B drugs have no copay and 0% to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance.
Dialysis Services See details
Dialysis Services are covered by Blue Medicare Freedom+ (PPO) with no copay and a 20% coinsurance.
Medical Equipment See details
Medical equipment is covered by Blue Medicare Freedom+ (PPO) with no copay and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic equipment. Prior authorization is required for these services, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the Blue Medicare Freedom+ (PPO) plan with no copay and a 20% coinsurance, subject to prior authorization. This coverage includes diagnostic procedures, lab services, diagnostic and therapeutic radiological services, and outpatient X-rays.
Home Health Services See details
Blue Medicare Freedom+ (PPO) covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Blue Medicare Freedom+ (PPO) offers cardiac rehabilitation benefits where some services are covered with no coinsurance, but standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered. These non-covered services require copayments of $30 for cardiac rehabilitation, $40 for intensive cardiac rehabilitation, $25 for pulmonary rehabilitation, and $20 for SET for PAD.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by Blue Medicare Freedom+ (PPO) with no coinsurance, featuring no copay for days 1 to 20 and 61 to 100, and a $218 daily copay for days 21 to 60. Prior authorization is required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by Blue Medicare Freedom+ (PPO), which offers a meal benefit for chronic illness and over-the-counter nicotine replacement therapy with no copay and no coinsurance. Acupuncture and other additional services under this benefit category are not covered.
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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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