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Blue Cross Medicare Advantage Freedom Blue (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Blue Cross Medicare Advantage Freedom Blue (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 Freedom Blue (PPO) in 2026, please refer to our full plan details page.
Blue Cross Medicare Advantage Freedom Blue (PPO) is a PPO plan offered by Aware Integrated, Inc. available for enrollment in 2025 to people living in 66 County Region. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Blue Cross Medicare Advantage Freedom Blue (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 Cross Medicare Advantage Freedom Blue (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 Freedom Blue (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 $135.00. 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 $8800.00 (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 $8800.00 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 Cross Medicare Advantage Freedom Blue (PPO).
Additional Benefits
The Blue Cross Medicare Advantage Freedom Blue (PPO) plan offers comprehensive coverage featuring no copay for primary care visits, preventive services, and home health care. Specialist visits require a $40 copay, while inpatient hospital stays carry a $200 daily copay for the first seven days and no copay for subsequent days up to 90 days. Essential supplemental benefits are also included, featuring routine vision and hearing exams with no copay, a $250 annual eyewear allowance, and up to $2,500 in dental coverage with no copay for preventive care. For emergency needs, members pay a $130 copay for emergency room visits and a $35 copay for urgent care. Medical equipment and diagnostic services are covered with no copays, though items like durable medical equipment carry a 20% to 30% coinsurance. Additionally, the plan includes extra benefits like acupuncture and an over-the-counter allowance of $75 every three months with no copay.
Inpatient Hospital See details
Blue Cross Medicare Advantage Freedom Blue (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $200 daily copay for days 1 through 7 and no copay for days 8 through 90. While unlimited additional days are covered for acute care, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Blue Cross Medicare Advantage Freedom Blue (PPO) covers outpatient hospital services with a $10 to $350 copay, observation services with a $350 copay per stay, and ambulatory surgical center services with a $300 copay, all with no coinsurance. Outpatient blood services have no copay, coinsurance, or deductible, and while some outpatient substance abuse services are covered with no copay or coinsurance, individual and group sessions are not covered.
Partial Hospitalization See details
Blue Cross Medicare Advantage Freedom Blue (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance, although prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and transportation services under the Blue Cross Medicare Advantage Freedom Blue (PPO) plan cover ground and air ambulance services with a $250 copay and no coinsurance, subject to prior authorization. While some transportation services are covered, transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
Blue Cross Medicare Advantage Freedom Blue (PPO) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a $35 copay and no coinsurance, while worldwide emergency and urgent services are covered with a $130 copay, and worldwide emergency transportation is covered with a 20% coinsurance.
Primary Care See details
Blue Cross Medicare Advantage Freedom Blue (PPO) covers primary care physician services with no copay and no coinsurance, and specialist visits with a $40 copay and no coinsurance. Routine chiropractic care is covered with a $15 copay and no coinsurance for up to 12 visits per year, but other chiropractic and podiatry services are not covered. While some mental health and psychiatric services are covered with no copay and no coinsurance, individual and group sessions for these services are not covered.
Preventive Services See details
Blue Cross Medicare Advantage Freedom Blue (PPO) covers preventive services, including annual physical exams, kidney disease education, and glaucoma screenings, with no copay and no coinsurance. However, additional preventive benefits are only partially covered, and services such as in-home safety assessments, personal emergency response systems, and medical nutrition therapy are not covered.
Hearing Services See details
Hearing services are partially covered by the Blue Cross Medicare Advantage Freedom Blue (PPO) plan, featuring no copay and no coinsurance for up to two annual routine hearing exams and unlimited fitting evaluations. Prescription hearing aids are covered up to two per year with no coinsurance and a copay ranging from $599 to $899, but OTC hearing aids and inner-ear, outer-ear, or over-the-ear prescription models are not covered.
Vision Services See details
Blue Cross Medicare Advantage Freedom Blue (PPO) offers partially covered vision services with no copay, no coinsurance, and no deductible for covered care. This benefit includes one routine eye exam and eyewear like glasses or contacts up to a combined $250 annual maximum, though upgrades and other eye exam services are not covered.
Dental Services See details
Blue Cross Medicare Advantage Freedom Blue (PPO) offers partially covered dental services up to a $2,500 annual limit, with a $30 copay and no coinsurance for Medicare-covered dental. Preventive care has no copay and no coinsurance, while covered comprehensive services require no copay and 0% to 20% coinsurance. Other diagnostic, other preventive, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Blue Cross Medicare Advantage Freedom Blue (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Under this plan, Medicare Part B insulin drugs have a $0 to $35 copay and no coinsurance, while Part B chemotherapy and other drugs carry 0% to 20% coinsurance with no copay.
Dialysis Services See details
Blue Cross Medicare Advantage Freedom Blue (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for this benefit.
Medical Equipment See details
Blue Cross Medicare Advantage Freedom Blue (PPO) partially covers medical equipment with no copays, featuring a coinsurance range of 20% to 30% for covered items like durable medical equipment, prosthetics, and diabetic shoes. While most medical equipment and supplies are covered, diabetic supplies are not covered under this plan.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are partially covered under Blue Cross Medicare Advantage Freedom Blue (PPO), with lab services and outpatient X-ray services not covered. Covered diagnostic procedures and tests require a $0 to $20 copay and no coinsurance, diagnostic radiological services have no copay and no coinsurance, and therapeutic radiological services require a 20% coinsurance.
Home Health Services See details
Home Health Services are covered by Blue Cross Medicare Advantage Freedom Blue (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are partially covered by Blue Cross Medicare Advantage Freedom Blue (PPO) with no coinsurance, though prior authorization is required. Covered eligible services require a copayment of $5 to $15, while standard cardiac, intensive cardiac, and pulmonary rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Blue Cross Medicare Advantage Freedom Blue (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. This benefit is partially covered, as additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Blue Cross Medicare Advantage Freedom Blue (PPO) offers acupuncture with a $15 copay and no coinsurance, limited to 12 treatments per year with prior authorization. Over-the-counter items and chronic illness meal benefits are also covered with no copay and no coinsurance, including up to $75 every three months for over-the-counter items.
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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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