BlueMedicare Classic Plus (HMO)

BlueMedicare Classic Plus (HMO) is a HMO plan offered by USAble Mutual Insurance Company available for enrollment in 2025 to people living in Select Counties in Arkansas. This plan received an overall rating of 3 out of 5 stars in 2026.

It's important to know that BlueMedicare Classic Plus (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Key Plan Facts

Below are a few key facts and commonly-asked questions about BlueMedicare Classic Plus (HMO).

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.

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:

Drug Coverage

The BlueMedicare Classic Plus (HMO) plan features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $460.00. If you qualify for the Low-Income Subsidy, you will have no premium for Part D. After meeting your deductible, standard pharmacy costs during the initial coverage phase include a $5.00 copay for Tier 1 preferred generics, 17% coinsurance for Tier 2 standard generics, 34% coinsurance for Tier 3 preferred brands, and 27% coinsurance for Tier 4 non-preferred drugs. These initial cost-sharing rates apply until your total drug costs reach $2,100.00. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase where there is no copay for Medicare Part D covered drugs. You may only be responsible for a share of the costs if you use excluded drugs covered under an enhanced benefit.

Additional Benefits

The BlueMedicare Classic Plus (HMO) plan offers comprehensive medical coverage featuring no copay for primary care, telehealth, preventive services, and home health care. For specialized care, members pay fixed copays for outpatient services, specialist visits, and inpatient hospital stays, with no copay required for inpatient days six through ninety. Emergency and urgent care are also covered with flat copayments, while ambulance services and medical equipment generally require a mix of copays or a twenty percent coinsurance. This plan also includes key supplemental benefits, such as dental coverage up to a three thousand dollar annual limit and vision coverage with no copay for routine exams plus a one hundred fifty dollar eyewear allowance. Additionally, members receive routine hearing exams with no copay, up to one thousand dollars for prescription hearing aids every three years, and a twenty-five dollar quarterly allowance for over-the-counter items. Skilled nursing facility stays are covered with no copay for the first twenty days, though some services like transportation and cardiac rehabilitation are not covered under this plan.