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Blue Medicare Advantage Freedom (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Blue Medicare Advantage 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 Advantage Freedom (PPO) in 2025, please refer to our full plan details page.
Blue Medicare Advantage Freedom (PPO) is a PPO plan offered by Blue Cross Blue Shield of Kansas available for enrollment in 2025 to people living in All Regions. This plan received an overall rating of 3.5 out of 5 stars in 2025.
It's important to know that Blue Medicare Advantage 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 Advantage 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 Advantage 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 $75.00. 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 $8950.00 (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 $8950.00 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 Advantage Freedom (PPO).
Additional Benefits
The Blue Medicare Advantage Freedom (PPO) plan offers a range of benefits with varying costs. Inpatient hospital stays have a copay depending on the length of stay, while outpatient services have a $325 copay. Emergency services have a $125 copay, and primary care visits are covered with no copay. The plan includes additional coverage for preventive services, hearing, vision, and dental. Hearing exams have a $45 copay, and prescription hearing aids are covered with a copay between $295 and $1495. Vision services include eye exams with a $0-$45 copay, and eyewear with a $45 copay. Dental services include a $45 copay for Medicare Dental Services, and other dental services are covered with a $1,000 maximum benefit per year.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. For Inpatient Hospital-Acute, you'll pay a $400 copay for days 1-6, and no copay for days 7-90, while for Inpatient Hospital Psychiatric, you'll pay a $350 copay for days 1-6, and no copay for days 7-90. Additional days for Inpatient Hospital-Acute are covered with no copay for days 91-999. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute, as well as additional days and non-Medicare covered stays for Inpatient Hospital Psychiatric, are not covered.
Outpatient Services See details
Outpatient Services, including Outpatient Hospital Services and Observation Services, have a copay of $325.00. Ambulatory Surgical Center (ASC) Services have a copay of $275.00, while Individual and Group Sessions for Outpatient Substance Abuse have a copay between $45.00 and $45.00.
Partial Hospitalization See details
Partial Hospitalization is covered under the Blue Medicare Advantage Freedom (PPO) plan. You will have a $30 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Blue Medicare Advantage Freedom (PPO) plan. Ground and Air Ambulance Services have a $300 copay, and there is no coinsurance, while Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Coverage are covered under the Blue Medicare Advantage Freedom (PPO) plan. Emergency Services have a $125 copay, and Urgently Needed Services have a $40 copay, while Worldwide Emergency Coverage has a $125 copay, but Worldwide Urgent Coverage and Worldwide Emergency Transportation are not covered.
Primary Care See details
The Blue Medicare Advantage Freedom (PPO) plan covers primary care physician services with no copay, and chiropractic services with a $20 copay. Occupational therapy services have a $40 copay and 20% coinsurance, while physician specialist services have a $45 copay. Mental health specialty services have a $40 copay for individual and group sessions, and psychiatric services have a $25 copay for individual and group sessions. Physical therapy and speech-language pathology services have a $40 copay and 20% coinsurance, and Opioid Treatment Program Services have a $10 copay.
Preventive Services See details
Preventive Services include coverage for Medicare-covered services with no copay, and additional preventive services with no copay for glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKG following Welcome Visit. Additional services such as health education, in-home safety assessments, personal emergency response systems, and others are not covered.
Hearing Services See details
Hearing services with the Blue Medicare Advantage Freedom (PPO) plan include hearing exams with a $45 copay, and routine hearing exams and fitting/evaluation for hearing aids are covered. Prescription hearing aids are covered with a copay between $295 and $1495, while inner ear, outer ear, and over the ear prescription hearing aids, as well as OTC hearing aids, are not covered.
Vision Services See details
The Blue Medicare Advantage Freedom (PPO) plan covers vision services, including eye exams with a copay of $0-$45 and eyewear with a $45 copay for contact lenses. Eyeglasses (lenses and frames), and eyeglass lenses and frames are also covered. Upgrades are not covered.
Dental Services See details
Dental Services includes a $45 copay for Medicare Dental Services and other dental services are covered with a $1,000 maximum benefit per year. Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Prosthodontics (removable and fixed), and Oral and Maxillofacial Surgery have a 50% coinsurance, and Oral Exams, Dental X-Rays, Other Diagnostic Dental Services, Prophylaxis (Cleaning), and Fluoride Treatment are covered with limits on the number of visits per year. Maxillofacial Prosthetics, Implant Services, and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the Blue Medicare Advantage Freedom (PPO) plan. Medicare Part B Insulin Drugs have a $35 copay and 0-20% coinsurance, while other Medicare Part B drugs have 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered, with a coinsurance between 20% and 20%.
Medical Equipment See details
Medical Equipment benefits are covered by the Blue Medicare Advantage Freedom (PPO) plan, with no copay. Durable Medical Equipment (DME) has a 20% coinsurance, while Durable Medical Equipment for use outside the home is not covered. Prosthetics/Medical Supplies have a 20% coinsurance, while Diabetic Supplies have a 0-20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Blue Medicare Advantage Freedom (PPO) plan. Diagnostic Procedures/Tests have no copay, and Lab Services have no copay. Diagnostic Radiological Services have a copay between $45.00 and $250.00, and Therapeutic Radiological Services have 20% coinsurance.
Home Health Services See details
Home Health Services are covered by the Blue Medicare Advantage Freedom (PPO) plan with no copay and no coinsurance. However, additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by the Blue Medicare Advantage Freedom (PPO) plan, but Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not covered. The plan has a copay for some Cardiac and Pulmonary Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Blue Medicare Advantage Freedom (PPO) plan, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $214. Additional days beyond Medicare-covered SNF stays and non-Medicare-covered stays are not covered.
Other Services See details
The Blue Medicare Advantage Freedom (PPO) plan covers Over-the-Counter (OTC) items with a maximum benefit of $50 every three months, and a Meal Benefit for chronic illnesses. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services 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.
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