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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 2026, 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 2026.
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 comprehensive medical coverage with no copay for primary care visits, home health services, and annual preventive screenings. For inpatient hospital stays, members pay a $400 daily copay for days one through six, with no copay and no coinsurance for additional days. Outpatient services feature no coinsurance, with a $325 daily copay for hospital services and a $45 copay for specialist visits. Additional benefits include routine dental care with no copay up to a $2,000 annual maximum, along with a $200 annual eyewear allowance and routine eye exams. Prescription hearing aids are covered with copays ranging from $295 to $1,495, while skilled nursing facility stays require no copay for the first 20 days. Durable medical equipment and dialysis services are also covered with a 20% coinsurance and no copayments.
Inpatient Hospital See details
Blue Medicare Advantage Freedom (PPO) covers inpatient acute stays with no coinsurance and a $400 daily copay for days 1 to 6, with no copay thereafter. Inpatient psychiatric care is also covered with no coinsurance and a $350 daily copay for days 1 to 6, though upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Blue Medicare Advantage Freedom (PPO) covers outpatient services with no coinsurance, featuring a $325 daily copay for outpatient hospital and observation services, and a $275 copay for ambulatory surgical center services. Outpatient substance abuse services require a $45 copay per session with no coinsurance, while outpatient blood services are covered with no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by the Blue Medicare Advantage Freedom (PPO) plan. This benefit features a $30.00 copay and no coinsurance.
Ambulance and Transportation Services See details
Blue Medicare Advantage Freedom (PPO) covers ground and air ambulance services with a $300 copay and no coinsurance. While some transportation services are covered, transportation to plan-approved health-related locations or any health-related locations is not covered.
Emergency Services See details
Blue Medicare Advantage Freedom (PPO) covers emergency services with a $125 copay (waived if admitted to the hospital within 24 hours) and urgently needed services with a $50 copay, both with no coinsurance. Worldwide emergency services are partially covered up to a $50,000 maximum limit with a $125 copay and no coinsurance, but worldwide urgent coverage and worldwide emergency transportation are not covered.
Primary Care See details
Blue Medicare Advantage Freedom (PPO) covers primary care physician services with no copay and no coinsurance, and specialist visits with a $45 copay and no coinsurance. Physical, occupational, and speech therapies require a $40 copay and 20% coinsurance, while mental health and psychiatric services have no coinsurance and copays ranging from $25 to $40. Podiatry and chiropractic services are not covered.
Preventive Services See details
Blue Medicare Advantage Freedom (PPO) covers preventive services, including annual physical exams, kidney disease education, and screenings, with no copay and no coinsurance. Additional preventive benefits are partially covered, offering memory fitness and remote access technologies with no copay and no coinsurance, while services like health education, nutrition therapy, and in-home safety assessments are not covered.
Hearing Services See details
Hearing services are partially covered by Blue Medicare Advantage Freedom (PPO), featuring routine hearing exams with a $45 copay and no coinsurance. Up to two prescription hearing aids are covered per year with a copay ranging from $295 to $1,495 and no coinsurance, though OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Vision services are partially covered by Blue Medicare Advantage Freedom (PPO) because eyewear upgrades are not covered. Covered benefits include annual eye exams with no coinsurance and copays ranging from no copay to $45, as well as a $200 annual eyewear allowance with no coinsurance and a $45 copay for contact lenses.
Dental Services See details
Blue Medicare Advantage Freedom (PPO) dental services are partially covered up to a $2,000 annual maximum, featuring a $45 copay and no coinsurance for Medicare-covered dental, and no copay and no coinsurance for preventive care. Comprehensive services are covered with no copay and 50% coinsurance, though other preventive services, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Blue Medicare Advantage Freedom (PPO) with no copay, while associated Medicare Part B chemotherapy, radiation, and other drugs have no copay and a coinsurance ranging from no coinsurance to 20%. Covered Medicare Part B insulin drugs require a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered by Blue Medicare Advantage Freedom (PPO) with no copay and a 20% coinsurance.
Medical Equipment See details
Blue Medicare Advantage Freedom (PPO) covers medical equipment with no copayments, though a 20% coinsurance applies to durable medical equipment, prosthetics, medical supplies, and diabetic shoes. Diabetic supplies feature a coinsurance ranging from no coinsurance up to 20% and require prior authorization.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are partially covered under the Blue Medicare Advantage Freedom (PPO) plan. Diagnostic services feature no copay and no coinsurance, but diagnostic procedures, tests, and lab services are not covered. Radiological services require prior authorization and include a minimum $45 copay for diagnostic radiological services and a 20% coinsurance for therapeutic radiological services, while outpatient X-ray services are not covered.
Home Health Services See details
Home Health Services are fully covered under the Blue Medicare Advantage Freedom (PPO) plan with no copay and no coinsurance.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by Blue Medicare Advantage Freedom (PPO) with no coinsurance, meaning some services are covered, but cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered and require a $10 copay.
Skilled Nursing Facility (SNF) See details
Blue Medicare Advantage Freedom (PPO) partially covers Skilled Nursing Facility (SNF) services with no coinsurance, though additional days beyond the standard 100 days are not covered. There is no copay for days 1 through 20 and a daily copay of $218 for days 21 through 100, with prior authorization required but no prior three-day hospital stay needed.
Other Services See details
Blue Medicare Advantage Freedom (PPO) provides coverage for other services with no copay and no coinsurance, including chronic illness meal benefits and a $50 quarterly over-the-counter (OTC) allowance that carries forward. However, acupuncture, nicotine replacement therapy, and naloxone are not covered under these benefits.
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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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