A non-government entity
CareFirst BlueCross BlueShield Advantage Salute (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for CareFirst BlueCross BlueShield Advantage Salute (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on CareFirst BlueCross BlueShield Advantage Salute (PPO) in 2025, please refer to our full plan details page.
CareFirst BlueCross BlueShield Advantage Salute (PPO) is a PPO plan offered by CareFirst, Inc. available for enrollment in 2025 to people living in Maryland and District of Columbia. This plan received an overall rating of 3.5 out of 5 stars in 2025.
It's important to know that CareFirst BlueCross BlueShield Advantage Salute (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 CareFirst BlueCross BlueShield Advantage Salute (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 CareFirst BlueCross BlueShield Advantage Salute (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 $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:
Sign up for CareFirst BlueCross BlueShield Advantage Salute (PPO)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
Prescription drugs are not covered by CareFirst BlueCross BlueShield Advantage Salute (PPO).
Additional Benefits
The CareFirst BlueCross BlueShield Advantage Salute (PPO) plan offers a range of benefits with varying costs. Inpatient hospital stays have copays, while outpatient services have copays depending on the service. Emergency services and many primary care services have no copay. The plan also covers services like hearing, vision, and dental, with copays for exams and specific procedures. Ambulance services have copays or coinsurance, and transportation services are covered for a limited number of trips. Prescription hearing aids have a maximum copay, and eyewear and dental services are covered with copays.
Inpatient Hospital See details
Inpatient Hospital benefits, including both acute and psychiatric care, are covered under the CareFirst BlueCross BlueShield Advantage Salute (PPO) plan. For Inpatient Hospital-Acute, you'll pay a $345 copay for days 1-5, and no copay for days 6-90; for Inpatient Hospital Psychiatric, you'll pay a $245 copay for days 1-5, and no copay for days 6-90.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services with a copay between $0 and $250, observation services with a $250 copay, ambulatory surgical center services with a $200 copay, individual substance abuse sessions with a $40 copay, group substance abuse sessions with a $20 copay, and outpatient blood services with no copay. Prior authorization is required for some services.
Partial Hospitalization See details
Partial Hospitalization is covered by the CareFirst BlueCross BlueShield Advantage Salute (PPO) plan, with a $20 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the CareFirst BlueCross BlueShield Advantage Salute (PPO) plan. Ground ambulance services have a copay of $240, while air ambulance services have a 20% coinsurance. Transportation services to any health-related location are covered for up to 24 one-way trips per year, with the mode of transportation being bus/subway, medical transport, or other.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Coverage have no coinsurance. Emergency Services has a $100 copay, and Urgently Needed Services has a copay between $0 and $30. Worldwide Emergency Transportation is not covered, and Worldwide Emergency Coverage has no copay.
Primary Care See details
Primary Care includes coverage for Primary Care Physician Services with no copay, Chiropractic Services with a $10 copay, Occupational Therapy Services with a $35 copay, Physician Specialist Services with a $35 copay, Mental Health Specialty Services with a $0-$10 copay, Podiatry Services with a $10 copay, Other Health Care Professional services with a $0-$35 copay, Psychiatric Services with a $0-$10 copay, Physical Therapy and Speech-Language Pathology Services with a $35 copay, Additional Telehealth Benefits with a $0-$35 copay, and Opioid Treatment Program Services with a $40 copay. Routine Chiropractic Care and Routine Foot Care are limited to 12 visits per year.
Preventive Services See details
Preventive services, including services not usually covered by Medicare, are covered. Kidney Disease Education Services, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit have no copay, while In-Home Safety Assessment, Remote Access Technologies, and Fitness Benefit are covered. Health Education, Personal Emergency Response System, Medical Nutrition Therapy, Post discharge In-Home Medication Reconciliation, Re-admission Prevention, Wigs for Hair Loss Related to Chemotherapy, Weight Management Programs, Alternative Therapies, Therapeutic Massage, Adult Day Health Services, Nutritional/Dietary Benefit, Home-Based Palliative Care, In-Home Support Services, Support for Caregivers of Enrollees, Additional Sessions of Smoking and Tobacco Cessation Counseling, Enhanced Disease Management, Telemonitoring Services, Home and Bathroom Safety Devices and Modifications, and Counseling Services are not covered.
Hearing Services See details
Hearing Services include hearing exams with a $30 copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids (all types) are covered with a maximum copay of $1475, but inner ear, outer ear, and over the ear prescription hearing aids are not covered, and OTC hearing aids are not covered.
Vision Services See details
The CareFirst BlueCross BlueShield Advantage Salute (PPO) plan covers vision services, including eye exams with a $30 copay and routine eye exams with a copay between $0 and $60. Eyewear is covered with no copay for contact lenses, and eyeglasses (lenses and frames) with a $10 copay, but eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental Services include coverage for Medicare Dental Services with a $40 copay, Oral Exams with no copay, Dental X-Rays with no copay, Prophylaxis (Cleaning) with no copay, Fluoride Treatment with no copay, Restorative Services with a $15-$400 copay, Adjunctive General Services with a $15-$30 copay, Endodontics with a $100-$200 copay, Periodontics with a $50-$300 copay, Prosthodontics (removable) with a $30-$700 copay, Implant Services with a $70-$500 copay, Prosthodontics (fixed) with a $40-$400 copay, and Oral and Maxillofacial Surgery with a $40-$100 copay. Orthodontic services are covered with a maximum benefit of $1,000 per year, but Maxillofacial Prosthetics and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and require prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay and 0-20% coinsurance. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the CareFirst BlueCross BlueShield Advantage Salute (PPO) plan with a coinsurance between 20% and 20%.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with a 15% coinsurance and no copay, Prosthetics/Medical Supplies with no copay and coinsurance for Medicare-covered items, and Diabetic Equipment that requires prior authorization. Diabetic Supplies have no copay, while Diabetic Therapeutic Shoes/Inserts have a 15% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including Diagnostic Procedures/Tests with a $50 copay, Lab Services with no copay, Diagnostic Radiological Services with a copay up to $200, Therapeutic Radiological Services with 20% coinsurance, and Outpatient X-Ray Services with a $20 copay. Prior authorization is required for all diagnostic and radiological services.
Home Health Services See details
Home Health Services are covered by the CareFirst BlueCross BlueShield Advantage Salute (PPO) plan with no copay and no coinsurance. Additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but not covered in practice. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the CareFirst BlueCross BlueShield Advantage Salute (PPO) plan. For days 1-20, there is no copay, and for days 21-100, the copay is $200. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The CareFirst BlueCross BlueShield Advantage Salute (PPO) plan covers acupuncture with a $20 copay per visit, up to 12 treatments per year. Over-the-counter items are also covered, with a maximum benefit of $40 every three months. Other services such as meal benefits, and several additional services are not covered.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
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.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved