2022 Blue Medicare PPO Enhanced (PPO)


Blue Medicare PPO Enhanced (PPO) H3404-003 is a 2022 Medicare Advantage Plan or Part-C by Blue Cross and Blue Shield of North Carolina available to residents in North Carolina. This plan includes additional prescription drug (Part-D) coverage. The Blue Medicare PPO Enhanced (PPO) has a monthly premium of $29.00 and has an in-network maximum out-of-pocket limit of $5,900 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $5,900 out-of-pocket. This can be a extremely nice safety net.

Blue Medicare PPO Enhanced (PPO) is a Local PPO. A preferred provider organization (PPO) is a Medicare plan that has created contracts with a network of "preferred" providers for you to choose from at reduced rates. You do not need to select a primary care physician and you do not need referrals to see other providers in the network. Offering you a little more flexibility overall. You can get medical attention from a provider outside of the network but you will have to pay the difference between the out-of-network bill and the PPOs discounted rate.

Blue Cross and Blue Shield of North Carolina works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Blue Medicare PPO Enhanced (PPO) you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Blue Cross and Blue Shield of North Carolina and not Original Medicare. With Medicare Advantage you are always covered for urgently needed and emergency care. Plus you receive all the benefits of Original Medicare from Blue Cross and Blue Shield of North Carolina except hospice care. Original Medicare still provides you with hospice care even if you sign up for Medicare Advantage.




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2022 Blue Cross and Blue Shield of North Carolina Medicare Advantage Plan Costs

Name:
Blue Medicare PPO Enhanced (PPO)
Plan ID:
H3404-003
Provider:Blue Cross and Blue Shield of North Carolina
Year:2022
Type: Local PPO
Monthly Premium C+D: $29.00
Part C Premium:$0.00
MOOP: $5,900
Part D (Drug) Premium:$29.00
Part D Supplemental Premium$0.00
Total Part D Premium:$29.00
Drug Deductible:$0.00
Tiers with No Deductible:0
Gap Coverage:Yes
Benchmark:not below the regional benchmark
Type of Medicare Health:Enhanced Alternative
Drug Benefit Type:Enhanced
Similar Plan: H3404-004
New Plan: 2023 H3404-004




Blue Medicare PPO Enhanced (PPO) Part-C Premium

Blue Cross and Blue Shield of North Carolina charges a $0.00 Part-C premium. The Part C premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.



H3404-003 Part-D Deductible and Premium

Blue Medicare PPO Enhanced (PPO) has a monthly drug premium of $29.00 and a $0.00 drug deductible. This Blue Cross and Blue Shield of North Carolina plan offers a $29.00 Part-D Basic Premium that is not below the regional benchmark. This covers the basic prescription benefit only and does not cover enhanced drug benefits such as medical benefits or hospital benefits. The Part D Supplemental Premium is $0.00 this Premium covers any enhanced plan benefits offered by Blue Cross and Blue Shield of North Carolina above and beyond the standard PDP benefits. This can include additional coverage in the gap, lower co-payments and coverage of non-Part D drugs. The Part D Total Premium is $29.00 . The Part D Total Premium is the addition of the supplemental and basic premiums for some plans this amount can be lowered due to negative basic or supplemental premiums.



Blue Cross and Blue Shield of North Carolina Gap Coverage

In 2022 once you and your plan provider have spent $4430 on covered drugs. (combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") You will be required to pay 25% for prescription drugs unless your plan offers additional coverage. This Blue Cross and Blue Shield of North Carolina plan does offer additional coverage through the gap.



Premium Assistance

The Low Income Subsidy (LIS) helps people with Medicare pay for prescription drugs, and lowers the costs of Medicare prescription drug coverage. Depending on your income level you may be eligible for full 75%, 50%, 25% premium assistance. The Blue Medicare PPO Enhanced (PPO) medicare insurance offers a $0.00 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $7.20 for 75% low income subsidy $14.50 for 50% and $21.70 for 25%.



Full LIS Premium:$0.00
75% LIS Premium:$7.20
50% LIS Premium:$14.50
25% LIS Premium:$21.70


H3404-003 Formulary or Drug Coverage

Blue Medicare PPO Enhanced (PPO) formulary is divided into Tiers or levels of coverage based on usage and according to the medication costs. Each tier will have a defined copay that you must pay to receive the drug. Drugs in lower tiers will usually cost less than those in higher tiers. By reviewing different Medicare Drug formularies, you can pick a Medicare Advantage plan that covers your medications. Additionally, you can choose a plan that has your drugs listed at a lower price. You can see complete 2022 Blue Medicare PPO Enhanced (PPO) H3404-003 Formulary here.

Drug Tier Copay
Preferred
Pharmacy
Copay
Nonpreferred
Pharmacy
Tier 1 $0 $15
Tier 2 $6 $20
Tier 3 $37 $47
Tier 4 $90 $100
Tier 5 33% 33%
Tier 6 $0 $1
*Initial Coverage Phase and 30 day supply





2021 Blue Medicare PPO Enhanced (PPO) Summary of Benefits

*This will be updated with 2022 data when available.



Additional Benefits


No



Comprehensive Dental


Diagnostic services Not covered
Endodontics Not covered
Extractions Not covered
Non-routine services Not covered
Periodontics Not covered
Prosthodontics, other oral/maxillofacial surgery, other services Not covered
Restorative services Not covered



Deductible


$0



Diagnostic Tests and Procedures


Diagnostic radiology services (e.g., MRI) $0-300 copay or 20% coinsurance
Diagnostic radiology services (e.g., MRI) 40% coinsurance (Out-of-Network)
Diagnostic tests and procedures 40% coinsurance (Out-of-Network)
Diagnostic tests and procedures $0-25 copay
Lab services 40% coinsurance (Out-of-Network)
Lab services $0-5 copay
Outpatient x-rays 40% coinsurance (Out-of-Network)
Outpatient x-rays $0-15 copay



Doctor Visits


Primary 40% coinsurance per visit (Out-of-Network)
Primary $10 copay per visit
Specialist 40% coinsurance per visit (Out-of-Network)
Specialist $50 copay per visit



Emergency care/Urgent Care


Emergency $90 copay per visit (always covered)
Urgent care $65 copay per visit (always covered)



Foot Care (podiatry services)


Foot exams and treatment $50 copay
Foot exams and treatment 40% coinsurance (Out-of-Network)
Routine foot care Not covered



Ground Ambulance


$250 copay (Out-of-Network)
$250 copay



Hearing


Fitting/evaluation $0 copay
Fitting/evaluation $0 copay (Out-of-Network)
Hearing aids $699-999 copay
Hearing aids $699-999 copay (Out-of-Network)
Hearing exam 40% coinsurance (Out-of-Network)
Hearing exam $50 copay



Inpatient Hospital Coverage


$335 per day for days 1 through 6
$0 per day for days 7 through 90
$0 per day for days 91 and beyond
40% per day for days 1 and beyond (Out-of-Network)



Medical Equipment/Supplies


Diabetes supplies $0 copay per item
Diabetes supplies 40% coinsurance per item (Out-of-Network)
Durable medical equipment (e.g., wheelchairs, oxygen) 40% coinsurance per item (Out-of-Network)
Durable medical equipment (e.g., wheelchairs, oxygen) 20% coinsurance per item
Prosthetics (e.g., braces, artificial limbs) 40% coinsurance per item (Out-of-Network)
Prosthetics (e.g., braces, artificial limbs) 20% coinsurance per item



Medicare Part B Drugs


Chemotherapy 40% coinsurance (Out-of-Network)
Chemotherapy 20% coinsurance
Other Part B drugs 20% coinsurance
Other Part B drugs 40% coinsurance (Out-of-Network)



Mental Health Services


Inpatient hospital - psychiatric 40% per day for days 1 through 190 (Out-of-Network)
Inpatient hospital - psychiatric $300 per day for days 1 through 6
$0 per day for days 7 through 90
Outpatient group therapy visit $40 copay
Outpatient group therapy visit 40% coinsurance (Out-of-Network)
Outpatient group therapy visit with a psychiatrist 40% coinsurance (Out-of-Network)
Outpatient group therapy visit with a psychiatrist $40 copay
Outpatient individual therapy visit $40 copay
Outpatient individual therapy visit 40% coinsurance (Out-of-Network)
Outpatient individual therapy visit with a psychiatrist $40 copay
Outpatient individual therapy visit with a psychiatrist 40% coinsurance (Out-of-Network)



MOOP


$11,300 In and Out-of-network
$5,900 In-network



Option


No



Optional supplemental benefits


No



Outpatient Hospital Coverage


40% coinsurance per visit (Out-of-Network)
$300 copay per visit



Preventive Care


$0 copay
$0 copay (Out-of-Network)



Preventive Dental


Cleaning $0 copay
Cleaning $0 copay (Out-of-Network)
Dental x-ray(s) $0 copay (Out-of-Network)
Dental x-ray(s) $0 copay
Fluoride treatment $0 copay
Fluoride treatment $0 copay (Out-of-Network)
Oral exam $0 copay
Oral exam $0 copay (Out-of-Network)



Rehabilitation Services


Occupational therapy visit 40% coinsurance (Out-of-Network)
Occupational therapy visit $40 copay
Physical therapy and speech and language therapy visit 40% coinsurance (Out-of-Network)
Physical therapy and speech and language therapy visit $40 copay



Skilled Nursing Facility


40% per day for days 1 through 100 (Out-of-Network)
$0 per day for days 1 through 20
$184 per day for days 21 through 60
$0 per day for days 61 through 100



Transportation


Not covered



Vision


Contact lenses 40% coinsurance (Out-of-Network)
Contact lenses $0 copay
Eyeglass frames 40% coinsurance (Out-of-Network)
Eyeglass frames $0 copay
Eyeglass lenses 40% coinsurance (Out-of-Network)
Eyeglass lenses $0 copay
Eyeglasses (frames and lenses) 40% coinsurance (Out-of-Network)
Eyeglasses (frames and lenses) $0 copay
Other Not covered
Routine eye exam $25 copay
Routine eye exam 40% coinsurance (Out-of-Network)
Upgrades $0 copay
Upgrades 40% coinsurance (Out-of-Network)



Wellness Programs (e.g. fitness nursing hotline)


Covered




CMS Star Ratings for Blue Medicare PPO Enhanced (PPO) H3404



2021 Overall Rating
Part C Summary Rating
Part-D Summary Rating
Staying Healthy: Screenings, Tests, Vaccines
Managing Chronic (Long Term) Conditions
Member Experience with Health Plan
Complaints and Changes in Plans Performance
Health Plan Customer Service
Drug Plan Customer Service
Complaints and Changes in the Drug Plan
Member Experience with the Drug Plan
Drug Safety and Accuracy of Drug Pricing


Staying Healthy, Screening, Testing, & Vaccines

Total Preventative Rating
Breast Cancer Screening
Colorectal Cancer Screening
Annual Flu Vaccine
Monitoring Physical Activity


Managing Chronic And Long Term Care for Older Adults

Total Rating
SNP Care Management
Medication Review
Functional Status Assessment
Osteoporosis Management
Diabetes Care - Eye Exam
Diabetes Care - Kidney Disease
Diabetes Care - Blood Sugar
Rheumatoid Arthritis
Reducing Risk of Falling
Improving Bladder Control
Medication Reconciliation
Statin Therapy


Member Experience with Health Plan

Total Experience Rating
Getting Needed Care
Getting Appointments
Customer Service
Health Care Quality
Rating of Health Plan
Care Coordination


Member Complaints and Changes in Blue Medicare PPO Enhanced (PPO) Plans Performance

Total Rating
Complaints about Health Plan
Members Leaving the Plan
Health Plan Quality Improvement


Health Plan Customer Service Rating for Blue Medicare PPO Enhanced (PPO)

Total Customer Service Rating
Timely Decisions About Appeals
Reviewing Appeals Decisions
Call Center, TTY, Foreign Language


Blue Medicare PPO Enhanced (PPO) Drug Plan Customer Service Ratings

Total Rating
Call Center, TTY, Foreign Language


Ratings For Member Complaints and Changes in the Drug Plans Performance

Total Rating
Complaints about the Drug Plan
Members Choosing to Leave the Plan
Drug Plan Quality Improvement


Member Experience with the Drug Plan

Total Rating
Rating of Drug Plan
Getting Needed Prescription Drugs


Drug Safety and Accuracy of Drug Pricing

Total Rating
MPF Price Accuracy
Drug Adherence for Diabetes Medications
Drug Adherence for Hypertension (RAS antagonists)
Drug Adherence for Cholesterol (Statins)
MTM Program Completion Rate for CMR
Statin with Diabetes



Ready to Enroll?

Click Here

Or Call
1-855-778-4180
Mon-Fri 8am-8pm EST
Sat 8am-8pm EST




Coverage Area for Blue Medicare PPO Enhanced (PPO)

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Source: CMS.
Data as of September 1, 2021.
Notes: Data are subject to change as contracts are finalized. For 2022, enhanced alternative may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit. Includes 2022 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.

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