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BlueAdvantage Freedom (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for BlueAdvantage Freedom (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on BlueAdvantage Freedom (PPO) in 2026, please refer to our full plan details page.
BlueAdvantage Freedom (PPO) is a PPO plan offered by BlueCross BlueShield of Tennessee available for enrollment in 2025 to people living in Statewide Tennessee + Northwest GA. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that BlueAdvantage 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 BlueAdvantage 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 BlueAdvantage 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 $40.00. 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 $5750.00 (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 $5750.00 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 BlueAdvantage Freedom (PPO).
Additional Benefits
The BlueAdvantage Freedom (PPO) plan offers comprehensive medical coverage with affordable out-of-pocket costs, featuring no copays or coinsurance for primary care visits and telehealth services. For specialist visits, members pay a copay of $20 to $25, while inpatient hospital stays require a $175 daily copay for the first five days and no copay for days six through ninety. Outpatient services and emergency care are also covered with flat copayments and no coinsurance, ensuring predictable costs for major medical needs. In addition to standard medical care, this plan includes valuable dental, vision, and hearing benefits to support overall wellness. Members enjoy no copays for preventive dental care alongside a $2,500 annual limit for comprehensive services, a yearly routine eye exam, a $225 eyewear allowance every two years, and a $10 copay for hearing exams. Additional perks like home health services and a $100 quarterly over-the-counter allowance are also provided with no copay or coinsurance.
Inpatient Hospital See details
BlueAdvantage Freedom (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $175 daily copay for days 1 through 5 and no copay for days 6 through 90. Additional days for acute stays are unlimited, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
BlueAdvantage Freedom (PPO) covers outpatient services with no coinsurance, featuring a $175 copay for outpatient hospital services, a $200 copay per stay for observation services, and a $125 copay for ambulatory surgical center services. Outpatient substance abuse services are also covered with no coinsurance and copays of $25 for individual or $15 for group sessions, while outpatient blood services are available with no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization services are covered by BlueAdvantage Freedom (PPO) for a $40.00 copay and no coinsurance, with prior authorization required.
Ambulance and Transportation Services See details
BlueAdvantage Freedom (PPO) covers ground ambulance services with a $250 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, both of which require prior authorization. Routine transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
BlueAdvantage Freedom (PPO) covers emergency services with a $150 copay and no coinsurance, and urgently needed services with a $45 copay and no coinsurance, with both copayments waived if admitted to the hospital within 24 hours. Worldwide emergency and urgent care are also covered with a $60 copay and no coinsurance, while worldwide emergency transportation requires a $250 copay and 20% coinsurance.
Primary Care See details
BlueAdvantage Freedom (PPO) covers primary care, telehealth, and opioid treatment with no copay and no coinsurance, but chiropractic services are not covered. Specialist visits, physical, occupational, speech, podiatry, and other professional health services require a $20 to $25 copay and no coinsurance, while mental health and psychiatric sessions have a $15 to $25 copay and no coinsurance.
Preventive Services See details
BlueAdvantage Freedom (PPO) provides partially covered preventive services with no copay and no coinsurance for covered benefits like annual physicals, kidney disease education, and memory fitness. However, the plan does not cover health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, additional smoking cessation counseling, telemonitoring, home/bathroom safety devices, and counseling.
Hearing Services See details
Hearing services are partially covered by BlueAdvantage Freedom (PPO), featuring a $10 copay and no coinsurance or deductible for exams. Prescription hearing aids require copays between $199 and $699 with no coinsurance, but OTC hearing aids and inner ear, outer ear, or over the ear prescription hearing aids are not covered.
Vision Services See details
BlueAdvantage Freedom (PPO) offers partially covered vision services with no copay, no coinsurance, and no deductible for covered benefits. Covered services include one routine eye exam annually and up to $225 every two years for one pair of eyeglasses or contact lenses, though other eye exams, separate frames, separate lenses, and upgrades are not covered.
Dental Services See details
BlueAdvantage Freedom (PPO) offers partially covered dental services with a $2,500 annual limit, featuring no copay and no coinsurance for preventive care, and a $25 copay and no coinsurance for Medicare-covered dental. Covered comprehensive services require no copay and either no coinsurance or 20% coinsurance, while adjunctive general services, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
BlueAdvantage Freedom (PPO) covers home infusion bundled services with no copay, although prior authorization is required. Associated Medicare Part B drugs, including chemotherapy, radiation, and insulin, carry no coinsurance to 20% coinsurance, with insulin drugs also requiring a $35 copay.
Dialysis Services See details
Dialysis services are covered by BlueAdvantage Freedom (PPO) with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
Medical equipment is covered by BlueAdvantage Freedom (PPO) with no copay and 20% coinsurance for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies are covered with no copay and no coinsurance to 20% coinsurance, while diabetic therapeutic shoes or inserts require a $10 copay and no coinsurance.
Diagnostic and Radiological Services See details
BlueAdvantage Freedom (PPO) covers diagnostic and radiological services, requiring prior authorization for both. Diagnostic tests carry a $0 to $35 copay plus coinsurance, and lab services have no copay with a 20% minimum coinsurance. Radiological services feature no coinsurance, with copays ranging from no copay for outpatient X-rays to minimum copays of $50 for therapeutic and $110 for diagnostic radiology.
Home Health Services See details
Home Health Services are covered under the BlueAdvantage Freedom (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
BlueAdvantage Freedom (PPO) partially covers Cardiac Rehabilitation Services with no coinsurance, though prior authorization is required. While standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered, other covered services require a copayment of $10 to $15.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by BlueAdvantage Freedom (PPO) with no coinsurance and no required prior three-day hospital stay, although prior authorization is required. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the standard Medicare limit are not covered.
Other Services See details
BlueAdvantage Freedom (PPO) partially covers other services, providing a chronic illness meal benefit and a $100 quarterly over-the-counter (OTC) allowance with no copay and no coinsurance. Acupuncture is not covered under this benefit.
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