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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 2026, 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 2026.
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:
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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 robust coverage with no copay and no coinsurance for primary care visits, preventive screenings, and home health services. For more intensive care, members pay a $35 copay for specialist visits, a $110 copay for emergency services, and a $335 daily copay for the first five days of inpatient hospital stays. Outpatient services also feature no coinsurance, with copays ranging from no copay to $250. This plan also includes valuable routine benefits, featuring no copays for annual dental, vision, and hearing exams, alongside an over-the-counter allowance of up to $40 per quarter. Vision coverage includes routine exams and eyewear, while comprehensive dental services are available with copays ranging from $15 to $700. For durable medical equipment and dialysis services, members will pay a 15% to 20% coinsurance with no copay.
Inpatient Hospital See details
CareFirst BlueCross BlueShield Advantage Salute (PPO) partially covers inpatient hospital services with no coinsurance, as additional days, upgrades, and non-Medicare-covered stays are not covered. For covered stays, acute care requires a $335 daily copay for days 1 to 5 (no copay for days 6 to 90) and psychiatric care requires a $245 daily copay for days 1 to 5 (no copay for days 6 to 90).
Outpatient Services See details
CareFirst BlueCross BlueShield Advantage Salute (PPO) covers outpatient services with no coinsurance, featuring a copay ranging from no copay to $250 for outpatient hospital services, a $250 daily copay for observation services, and a $200 copay for ambulatory surgical center services. Outpatient substance abuse sessions require a $20 to $40 copay, while outpatient blood services are covered with no copay, coinsurance, or deductible.
Partial Hospitalization See details
CareFirst BlueCross BlueShield Advantage Salute (PPO) covers partial hospitalization services with a $20.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
CareFirst BlueCross BlueShield Advantage Salute (PPO) covers ground ambulance services with a $240 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay. Transportation services are partially covered, offering up to 24 one-way trips per year to any health-related location with no copay and no coinsurance, though trips to plan-approved health-related locations are not covered.
Emergency Services See details
Emergency services are covered by CareFirst BlueCross BlueShield Advantage Salute (PPO) with a $110 copay and no coinsurance, while urgently needed services require a copay of no copay to $25 and no coinsurance. Worldwide emergency services are partially covered up to a maximum of $50,000 with no copay or coinsurance, though worldwide emergency transportation is not covered.
Primary Care See details
CareFirst BlueCross BlueShield Advantage Salute (PPO) covers primary care physician services with no copay and no coinsurance, while specialist visits, physical therapy, and occupational therapy require a $35 copay and no coinsurance. Chiropractic services are partially covered with a $10 copay and no coinsurance, excluding other chiropractic services, and mental health, psychiatric, and podiatry services feature copays ranging from no copay to $10 with no coinsurance.
Preventive Services See details
Preventive services are covered under the CareFirst BlueCross BlueShield Advantage Salute (PPO) with no copay and no coinsurance for annual physical exams, kidney disease education, and select screenings. However, additional preventive services are only partially covered, with memory fitness included while sub-services such as health education, in-home safety assessments, and personal emergency response systems are not covered.
Hearing Services See details
CareFirst BlueCross BlueShield Advantage Salute (PPO) covers hearing services, offering Medicare-covered exams for a $30 copay and no coinsurance, alongside annual routine exams and fittings with no copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and copays ranging from $0 to $1,475, though OTC hearing aids as well as inner-ear, outer-ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
CareFirst BlueCross BlueShield Advantage Salute (PPO) provides partially covered vision services with no coinsurance, while other eye exams, individual eyeglass lenses, eyeglass frames, and upgrades are not covered. Routine eye exams are covered once yearly with a $0 to $60 copay, and eyewear coverage includes one annual pair of contact lenses with no copay (up to $250) or eyeglasses with a $10 copay (up to $200).
Dental Services See details
Dental services are partially covered by CareFirst BlueCross BlueShield Advantage Salute (PPO), offering preventive care with no copay and no coinsurance, and comprehensive services with copays ranging from $15 to $700, no coinsurance, and a $1,000 annual limit. Medicare-covered dental services require a $40 copay and no coinsurance, but other diagnostic services, other preventive services, maxillofacial prosthetics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by CareFirst BlueCross BlueShield Advantage Salute (PPO) with no copay, though prior authorization is required. Medicare Part B chemotherapy, insulin, and other Part B drugs carry a coinsurance ranging from no coinsurance to 20%, with insulin drugs also requiring a $35 copay.
Dialysis Services See details
Dialysis services are covered under the CareFirst BlueCross BlueShield Advantage Salute (PPO) plan with no copay and a 20% coinsurance.
Medical Equipment See details
CareFirst BlueCross BlueShield Advantage Salute (PPO) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 15% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts are covered with a 15% coinsurance.
Diagnostic and Radiological Services See details
CareFirst BlueCross BlueShield Advantage Salute (PPO) covers diagnostic and radiological services, with prior authorization required for all services. Members pay no copay or coinsurance for lab services and diagnostic radiology, but will pay a $50 copay with no coinsurance for diagnostic tests, a $20 copay plus coinsurance for outpatient X-rays, and a 20% coinsurance for therapeutic radiological services.
Home Health Services See details
CareFirst BlueCross BlueShield Advantage Salute (PPO) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
CareFirst BlueCross BlueShield Advantage Salute (PPO) does not cover Cardiac Rehabilitation Services, including intensive cardiac, pulmonary, and supervised exercise therapy (SET) services.
Skilled Nursing Facility (SNF) See details
CareFirst BlueCross BlueShield Advantage Salute (PPO) covers Skilled Nursing Facility (SNF) care with no coinsurance, requiring prior authorization but allowing admission without a prior three-day hospital stay. There is no copay for days 1 through 20 and a $200 copay for days 21 through 100, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by CareFirst BlueCross BlueShield Advantage Salute (PPO), which offers acupuncture with a $20 copay and no coinsurance for up to 12 treatments per year, and over-the-counter items with no copay and no coinsurance up to a $40 quarterly limit. Meal benefits, nicotine replacement therapy, and naloxone are not covered.
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