BlueMedicare Independence (HMO)

BlueMedicare Independence (HMO) is a HMO plan offered by USAble Mutual Insurance Company available for enrollment in 2025 to people living in Select Counties in Arkansas. This plan received an overall rating of 3 out of 5 stars in 2026.

It's important to know that BlueMedicare Independence (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 Independence (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 Independence (HMO) plan features a basic alternative drug benefit with an annual prescription drug deductible of $615.00. If you qualify for the low-income subsidy, your Part D cost may be reduced to $8.90. After meeting your deductible, you pay shared drug costs during the initial coverage phase until total drug costs reach $2,100.00. For a 30-day supply at a standard pharmacy, Tier 1 preferred generic drugs require a $14.00 copay, while Tier 2 standard generics carry a 20% coinsurance. Tier 3 preferred brands and Tier 4 non-preferred drugs require 34% and 25% coinsurance, respectively. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Medicare Part D drugs.

Additional Benefits

The BlueMedicare Independence (HMO) plan offers comprehensive medical coverage featuring no copays for primary care visits, telehealth, home health services, and routine preventive care. For inpatient hospital stays, members pay a $390 copay for days 1 through 5 and no copay for days 6 through 90, while specialist visits require copays ranging from $15 to $40. Emergency care is available with a $130 copay, and ground ambulance services require a $325 copay, though the plan also covers up to 60 one-way trips to approved locations with no copay. This plan also includes valuable supplemental benefits, such as routine dental and vision services with no copays, alongside up to $250 annually for eyewear and up to $3,000 for preventive dental care. Hearing benefits feature no-copay routine exams and up to $1,000 every three years for prescription hearing aids. Additionally, members pay no copay for diabetic supplies and receive a $105 quarterly allowance for over-the-counter items, while durable medical equipment and dialysis require a 20% coinsurance.