A Medicare Supplement from Blue Cross and Blue Shield of Alabama will help you with the copayments, coinsurance, and deductibles, making your costs more manageable. Blue Cross and Blue Shield of Alabama offers 1 different lettered plans, each with its own pros and cons. Blue Advantage Premier (PPO) Part-C Premium. Blue Cross and Blue Shield of Alabama plan charges a $106.0 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.
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Choose the Medicare Advantage plan that provides peace of mind, security and flexibility at an affordable price.
Our popular Blue Advantage Complete® (PPO) plan provides comprehensive hospital, doctor and prescription drug coverage in one easy plan.
- $0 monthly premium available STATEWIDE
- Largest provider network in Alabama with over 95% of all doctors and 100% of hospitals
- NO REFERRALS to see specialists
- Out of network FLEXIBILITY
- NO DEDUCTIBLE for generic prescriptions
- Drug copays as low as $2 — even in the 'donut hole'
- $0 copay for routine vision and hearing exams
- $250 annual preventive dental allowance
- $100 annual eyewear allowance
- FREE SilverSneakers® fitness membership**
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Blue Advantage Premier (PPO) H0104-015 is a 2021 Medicare Advantage Plan or Medicare Part-C plan by Blue Cross and Blue Shield of Alabama available to residents in Alabama. This plan includes additional Medicare prescription drug (Part-D) coverage. The Blue Advantage Premier (PPO) has a monthly premium of $170.00 and has an in-network Maximum Out-of-Pocket limit of $3,400 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $3,400 out of pocket. This can be a extremely nice safety net.
Blue Advantage Premier (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 Alabama works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Blue Advantage Premier (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 Alabama and not Original Medicare. With Medicare Advantage Plans you are always covered for urgently needed and emergency care. Plus you receive all of the benefits of Original Medicare from Blue Cross and Blue Shield of Alabama except hospice care. Original Medicare still provides you with hospice care even if you sign up for a Medicare Advantage Plan.
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2021 Blue Cross and Blue Shield of Alabama Medicare Advantage Plan Costs
| Name: | |
|---|---|
| Plan ID: | H0104-015 |
| Provider: | Blue Cross and Blue Shield of Alabama |
| Year: | 2021 |
| Type: | Local PPO |
| Monthly Premium C+D: | $170.00 |
| Part C Premium: | $106.0 |
| MOOP: | $3,400 |
| Part D (Drug) Premium: | $64.00 |
| Part D Supplemental Premium | $0 |
| Total Part D Premium: | $64.00 |
| Drug Deductible: | $0 |
| 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: | H0104-012 |
Blue Advantage Premier (PPO) Part-C Premium
Blue Cross and Blue Shield of Alabama plan charges a $106.0 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.
H0104-015 Part-D Deductible and Premium
Blue Advantage Premier (PPO) has a monthly drug premium of $64.00 and a $0 drug deductible. This Blue Cross and Blue Shield of Alabama plan offers a $64.00 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 this Premium covers any enhanced plan benefits offered by Blue Cross and Blue Shield of Alabama 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 $64.00. The Part D Total Premium is the addition of the supplemental and basic premiums for some plans this amount can be lower due to negative basic or supplemental premiums.
Blue Cross and Blue Shield of Alabama Gap Coverage
In 2021 once you and your plan provider have spent $4130 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 Alabama 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 Advantage Premier (PPO) medicare insurance offers a $33.80 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $41.30 for 75% low income subsidy $48.90 for 50% and $56.40 for 25%.
| Full LIS Premium: | $33.80 |
|---|---|
| 75% LIS Premium: | $41.30 |
| 50% LIS Premium: | $48.90 |
| 25% LIS Premium: | $56.40 |
H0104-015 Formulary or Drug Coverage
Blue Advantage Premier (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.
2021 Blue Advantage Premier (PPO) Summary of Benefits
Additional Benefits
| No |
|---|
Comprehensive Dental
| Diagnostic services | $0 copay |
|---|---|
| Diagnostic services | $0 copay (Out-of-Network) |
| Endodontics | $0 copay (Out-of-Network) |
| Endodontics | $0 copay |
| Extractions | $0 copay |
| Extractions | $0 copay (Out-of-Network) |
| Non-routine services | $0 copay |
| Non-routine services | $0 copay (Out-of-Network) |
| Periodontics | $0 copay |
| Periodontics | $0 copay (Out-of-Network) |
| Prosthodontics, other oral/maxillofacial surgery, other services | $0 copay (Out-of-Network) |
| Prosthodontics, other oral/maxillofacial surgery, other services | $0 copay |
| Restorative services | $0 copay |
| Restorative services | $0 copay (Out-of-Network) |
Deductible
| $0 |
|---|
Diagnostic Tests and Procedures
| Diagnostic radiology services (e.g., MRI) | $25 copay |
|---|---|
| Diagnostic radiology services (e.g., MRI) | 50% coinsurance (Out-of-Network) |
| Diagnostic tests and procedures | 50% coinsurance (Out-of-Network) |
| Diagnostic tests and procedures | $0 copay |
| Lab services | $0 copay |
| Lab services | 50% coinsurance (Out-of-Network) |
| Outpatient x-rays | 50% coinsurance (Out-of-Network) |
| Outpatient x-rays | $5 copay |
Doctor Visits
| Primary | $5 copay per visit |
|---|---|
| Primary | 50% coinsurance per visit (Out-of-Network) |
| Specialist | $25 copay per visit |
| Specialist | 50% coinsurance per visit (Out-of-Network) |
Emergency care/Urgent Care
| Emergency | $120 copay per visit (always covered) |
|---|---|
| Urgent care | $5-25 copay per visit (always covered) |
Foot Care (podiatry services)
| Foot exams and treatment | $20 copay |
|---|---|
| Foot exams and treatment | 50% coinsurance (Out-of-Network) |
| Routine foot care | Not covered |
Ground Ambulance
| $150 copay (Out-of-Network) |
|---|
| $150 copay |
Hearing
| Fitting/evaluation | Not covered |
|---|---|
| Hearing aids | $699-999 copay |
| Hearing aids | $699-999 copay (Out-of-Network) |
| Hearing exam | $10 copay |
| Hearing exam | 50% coinsurance (Out-of-Network) |
Inpatient Hospital Coverage
| $175 per day for days 1 through 5 $0 per day for days 6 through 90 $0 per day for days 91 and beyond |
|---|
| 50% per stay (Out-of-Network) |
Medical Equipment/Supplies
| Diabetes supplies | 50% coinsurance per item (Out-of-Network) |
|---|---|
| Diabetes supplies | $0 copay |
| Durable medical equipment (e.g., wheelchairs, oxygen) | 50% coinsurance per item (Out-of-Network) |
| Durable medical equipment (e.g., wheelchairs, oxygen) | 20% coinsurance per item |
| Prosthetics (e.g., braces, artificial limbs) | 20% coinsurance per item |
| Prosthetics (e.g., braces, artificial limbs) | 50% coinsurance per item (Out-of-Network) |
Medicare Part B Drugs
| Chemotherapy | 20% coinsurance |
|---|---|
| Chemotherapy | 50% coinsurance (Out-of-Network) |
| Other Part B drugs | 20% coinsurance |
| Other Part B drugs | 50% coinsurance (Out-of-Network) |
Mental Health Services
| Inpatient hospital - psychiatric | 50% per stay (Out-of-Network) |
|---|---|
| Inpatient hospital - psychiatric | $175 per day for days 1 through 5 $0 per day for days 6 through 90 |
| Outpatient group therapy visit | $25 copay |
| Outpatient group therapy visit | 50% coinsurance (Out-of-Network) |
| Outpatient group therapy visit with a psychiatrist | $25 copay |
| Outpatient group therapy visit with a psychiatrist | 50% coinsurance (Out-of-Network) |
| Outpatient individual therapy visit | $25 copay |
| Outpatient individual therapy visit | 50% coinsurance (Out-of-Network) |
| Outpatient individual therapy visit with a psychiatrist | 50% coinsurance (Out-of-Network) |
| Outpatient individual therapy visit with a psychiatrist | $25 copay |
MOOP
| $5,100 In and Out-of-network $3,400 In-network |
|---|
Option
| No |
|---|
Optional supplemental benefits
| No |
|---|
Outpatient Hospital Coverage
| $150 copay per visit |
|---|
| 50% coinsurance per visit (Out-of-Network) |
Preventive Care
| 50% coinsurance (Out-of-Network) |
|---|
| $0 copay |
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 (Out-of-Network) |
| Fluoride treatment | $0 copay |
| Oral exam | $0 copay (Out-of-Network) |
| Oral exam | $0 copay |
Blue Cross Blue Shield Prescription Coverage
Rehabilitation Services
| Occupational therapy visit | $20 copay |
|---|---|
| Occupational therapy visit | 50% coinsurance (Out-of-Network) |
| Physical therapy and speech and language therapy visit | 50% coinsurance (Out-of-Network) |
| Physical therapy and speech and language therapy visit | $20 copay |
Skilled Nursing Facility
| $0 per day for days 1 through 20 $100 per day for days 21 through 55 $0 per day for days 56 through 100 |
|---|
| 50% per stay (Out-of-Network) |
Transportation
| Not covered |
|---|
Vision
| Contact lenses | 50% coinsurance (Out-of-Network) |
|---|---|
| Contact lenses | $0 copay |
| Eyeglass frames | Not covered |
| Eyeglass lenses | Not covered |
| Eyeglasses (frames and lenses) | 50% coinsurance (Out-of-Network) |
| Eyeglasses (frames and lenses) | $0 copay |
| Other | Not covered |
| Routine eye exam | $0 copay |
| Routine eye exam | 50% coinsurance (Out-of-Network) |
| Upgrades | Not covered |
Wellness Programs (e.g. fitness nursing hotline)
| Covered |
|---|
Reviews for Blue Advantage Premier (PPO) H0104
| 2019 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 |
| Improving Physical |
| Improving Mental Health |
| Monitoring Physical Activity |
| Adult BMI Assessment |
Managing Chronic And Long Term Care for Older Adults
| Total Rating |
|---|
| SNP Care Management |
| Medication Review |
| Functional Status Assessment |
| Pain Screening |
| 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 |
| Customer Service |
| Health Care Quality |
| Rating of Health Plan |
| Care Coordination |
Member Complaints and Changes in Blue Advantage Premier (PPO) Plans Performance
| Total Rating |
|---|
| Complaints about Health Plan |
| Members Leaving the Plan |
| Health Plan Quality Improvement |
| Timely Decisions About Appeals |
Health Plan Customer Service Rating for Blue Advantage Premier (PPO)
Blue Cross Blue Shield Of Alabama Copays And Deductibles
| Total Customer Service Rating |
|---|
| Reviewing Appeals Decisions |
| Call Center, TTY, Foreign Language |
Blue Advantage Premier (PPO) Drug Plan Customer Service Ratings
| Total Rating |
|---|
| Call Center, TTY, Foreign Language |
| Appeals Auto |
| Appeals Upheld |
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?
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1-855-778-4180
Mon-Sat 8am-11pm EST
Sun 9am-6pm EST
Coverage Area for Blue Advantage Premier (PPO)
(Click county to compare all available Advantage plans)
| State: | Alabama |
|---|---|
| County: | Autauga,Baldwin,Barbour,Bibb,Blount, Bullock,Butler,Calhoun,Chambers, Cherokee,Chilton,Choctaw,Clarke, Clay,Cleburne,Coffee,Colbert, Conecuh,Coosa,Covington,Crenshaw, Cullman,Dale,Dallas,DeKalb, Elmore,Escambia,Etowah,Fayette, Franklin,Geneva,Greene,Hale, Henry,Houston,Jackson,Jefferson, Lamar,Lauderdale,Lawrence,Lee, Limestone,Lowndes,Macon,Madison, Marengo,Marion,Marshall,Mobile, Monroe,Montgomery,Morgan,Perry, Pickens,Pike,Randolph,Russell, Shelby,St Clair,Sumter,Talladega, Tallapoosa,Tuscaloosa,Walker,Washington, Wilcox,Winston, |
Blue Cross Blue Shield Of Alabama Urgent Care Copay
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Blue Cross Blue Shield Of Alabama Copay
Source: CMS.
Data as of September 9, 2020.
Notes: Data are subject to change as contracts are finalized. For 2021, 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 2021 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.