Blue Medicare PPO Enhanced Freedom Overview
Blue Medicare PPO Enhanced Freedom for Mecklenburg County, North Carolina, by Blue Cross and Blue Shield of North Carolina, is a Preferred Provider Organization (PPO) Medicare Advantage plan for seniors on Medicare. PPO health insurance allows you to choose your own primary care doctor, specialists and other healthcare providers. If you're on a budget you can lower your out-of-pocket costs by using the plan's provider network.
The monthly premium on this PPO plan is $121.30. Plus, co-payments and/or co-insurances also apply to most of the healthcare services you use. However, unlike traditional Medicare your out-of-pocket expenses are capped. As a result, you won't be vulnerable to excessive medical bills due to an accident or a critical illness.
Blue Medicare PPO Enhanced Freedom Quality Rating
To help seniors compare Medicare Advantage plans, Medicare rates the relative quality of all plans. After a full year on the market, each plan receives a one to five-star over-all mark, with one star being the lowest quality and five stars the highest quality.
The CMS has awarded Blue Medicare PPO Enhanced Freedom Average as compared to all others (as of 15 October, 2013).out of 5 stars. That means Medicare deems this plan
Blue Medicare PPO Enhanced Freedom Out-of-Pocket Expenses
Medicare Advantage plans are limited to a maximum out-of-pocket limit of $6,700 (annually). This out-of-pocket limit does not include your prescriptions or your monthly premiums. It only applies to your costs for healthcare services.
Although the mandatory limit is $6,700, the CMS allows plans to offer a lower limit that can be as low as $3,400. The out-of-pocket limit on this plan is $3,400. Be sure to take into consideration, along with the premium and the co-payments, when making your enrollment decision.
If you are comparing Blue Medicare PPO Enhanced Freedom with your traditional Medicare benefits, it's important to remember that there are no limits to your out-of-pocket expenses with Medicare Part A or Medicare Part B. If you keep your traditional Medicare benefits, the only way to avoid high medical bills is to purchase Medicare Supplement insurance to supplement your coverage.
Compare Medicare Health Insurance Plans
Make sure you get the best health insurance for your unique situation. Compare Blue Medicare PPO Enhanced Freedom with these Medicare Advantage plans:
- Humana Gold Plus H1036-137
- Aetna Medicare Value Plan
- Blue Medicare HMO Enhanced
- HumanaChoice R5826-003
- Blue Medicare HMO Medical Only
Blue Medicare PPO Enhanced Freedom is available in the following North Carolina cities: Cornelius, Davidson, Huntersville, Matthews, Newell, Paw Creek, Pineville, Charlotte, and all other areas of Mecklenburg County.
CMS File Date: January 14, 2014.
This Medicare health insurance catalog is maintained by 9/16/2014.and was last updated on